Cheap 2016 Mercedes-Benz AMG GT Insurance Rates

Want better insurance coverage rates for your Mercedes-Benz AMG GT? Pricey insurance coverage can dry up your savings and make it hard to pay other bills. Getting a rate comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

People have multiple insurance companies to pick from, and although it’s nice to be able to choose, it makes it harder to get the best deal.

It is always a good idea to do price comparisons yearly since prices are variable and change quite frequently. Just because you found the best deal on AMG GT insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the right way to save on insurance coverage.

The most recommended method to compare insurance rates in your area is to know the fact auto insurance companies allow for online access to compare their rates. All you need to do is give the companies some data such as whether or not you need a SR-22, if the car is leased, driver ages, and types of safety features. Those rating factors is instantly sent to many highly-rated insurers and they respond with quotes very quickly.

To find lower rates now, click here and find out if lower rates are available.

Insurance Discounts

Insurance is not cheap nor is it fun to buy but there could be significant discounts that many consumers don’t even know exist. Certain reductions will be credited when you purchase, but some discounts are required to be specifically requested before you will receive the discount.

  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control prevent accidents so you can save 10 percent or more.
  • No Claim Discounts – Drivers who don’t have accidents can earn big discounts as compared to policyholders that have many claims.
  • Professional Memberships – Being a member of certain professional organizations could earn you a nice discount when getting a car insurance quote.
  • Theft Deterent System – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% on AMG GT insurance compared to rates paid by drivers with frequent claims.
  • Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Auto/Home Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company you may save over 10 percent off each policy depending on the company.
  • Telematics Devices – Insureds that choose to allow driving data collection to study vehicle usage by using a small device installed in their vehicle like Allstate’s Drivewise could save a few bucks if they show good driving skills.

We need to note that some credits don’t apply the the whole policy. Most only reduce specific coverage prices like medical payments or collision. Despite the appearance that you could get a free insurance policy, you’re out of luck.

Companies and a selection of discounts are detailed below.

  • State Farm may have discounts that include safe vehicle, accident-free, defensive driving training, Drive Safe & Save, driver’s education, multiple policy, and passive restraint.
  • GEICO has savings for seat belt use, federal employee, multi-policy, air bags, anti-lock brakes, and multi-vehicle.
  • Progressive has discounts for multi-vehicle, continuous coverage, online quote discount, good student, multi-policy, and online signing.
  • 21st Century offers discounts including student driver, anti-lock brakes, air bags, driver training, 55 and older, and homeowners.
  • American Family offers premium reductions for TimeAway discount, good driver, Steer into Savings, bundled insurance, and defensive driver.
  • The Hartford may include discounts for anti-theft, defensive driver, good student, bundle, driver training, and vehicle fuel type.
  • AAA includes discounts for AAA membership discount, education and occupation, good driver, good student, multi-car, anti-theft, and pay-in-full.

Before purchasing a policy, check with each company what discounts are available to you. Some discounts listed above might not be offered in your state.

Tailor your insurance coverage to you

When buying the right insurance coverage, there is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is there coverage for injuries to my pets?
  • What can I do if my company denied a claim?
  • Am I missing any policy discounts?
  • Do all my vehicles need collision coverage?
  • Does my car insurance cover rental cars?
  • When would I need rental car insurance?
  • What is PIP insurance?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Buy Mercedes-Benz AMG GT insurance for less

Lots of things are used when premium rates are determined. Some are obvious like a motor vehicle report, although some other factors are less apparent like where you live or how financially stable you are.An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get much lower annual insurance costs.

The following are some of the major factors that factor into rates.

  • Traffic violations mean higher costs – Being a careful driver has a lot to do with how much you pay for insurance. Only having one driving citation can boost insurance rates by as much as thirty percent. Attentive drivers receive lower rates than bad drivers. Drivers who have gotten license-revoking tickets such as DUI or reckless driving may find they need to file a SR-22 with the DMV in their state in order to prevent their license from being revoked.
  • Rates can be impacted by your job – Did you know your occupation can influence how much you pay for insurance coverage? Jobs such as lawyers, business owners and stock brokers have higher rates than average in part from high stress and lots of time spent at work. Other occupations such as scientists, historians and performers have lower than average premiums on AMG GT insurance.
  • Liability coverage – The liability section of your policy will afford coverage in the event that a court rules you are at fault for damages from an accident. This coverage provides for a legal defense to attempt to prove you were not liable. Liability is cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Always keep your insurance coverage in place – Driving without insurance is illegal and as a result your rates will increase for letting your coverage cancel without a new policy in place. And not only will insurance be more expensive, failure to provide proof of insurance could result in fines or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Prices impacted by vehicle usage – The more you drive in a year the more you’ll pay to insure it. Most insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Vehicles that are left in the garage get more affordable rates than vehicles that have high annual mileage. It’s always a good idea to double check that your insurance coverage policy properly reflects the right rating data, because it can save money. An incorrectly rated AMG GT may be costing you higher rates.
  • High policy claims frequency drives up insurance coverage rates – If you file claims often, don’t be surprised to see increased rates or even have your policy non-renewed. Car insurance companies give most affordable rates to drivers who do not rely on their insurance for small claims. Your car insurance is designed for claims that pose a financial burden.

Auto insurance ads bend the truth

Consumers can’t avoid all the ads that claim the best prices by companies like Progressive, Allstate and GEICO. All the companies make the point that people will save if you just switch to them.

How do they all give you a better price? It’s all in the wording.

Companies offer their best rates for the type of driver that will generate a profit. A good example of this type of risk profile may be over the age of 40, carries full coverage, and does not commute to work. Someone who matches those parameters will qualify for the lowest car insurance rates and therefore will save if they switch.

Insureds who may not quite match this stringent profile will be charged more expensive rates which results in business not being written. If you pay close attention to the ads, they say “people who switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can lure you into getting a quote. This really drives home the point why you really need to compare rate quotes every year. It is impossible to predict which insurance companies will provide the lowest prices.

Insurance coverage breakdown

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like prosthetic devices, rehabilitation expenses, chiropractic care and hospital visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your 2016 Mercedes-Benz AMG GT.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, hitting a deer, a broken windshield and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Auto liability

Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as funeral expenses, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

You can do this!

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an insured cut full coverage and learned later that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best cost, not the least amount of coverage.

Lower-priced auto insurance is available from both online companies as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies may not have rate quotes online and many times these small insurance companies only sell coverage through independent agents.

More detailed auto insurance information is located in the articles below:

Comments About 2016 Mercedes-Benz AMG GT Insurance

  1. Forest Thompson

    It all costs too much. I live just to the west of Fort Wayne, IN. Got free quotes online for a 2016 Mercedes-Benz AMG GT. Ended up at about $350 savings annually. Went with 21st Century.

  2. Cordie Webb

    I live in a small town just outside of Columbus, GA. Quoted with American Family, Safeco, and Western Auto Insurance for my 2016 Mercedes-Benz AMG GT and saved $316 a year. They were helpful in switching over.

  3. Majorie Dotson

    If you have a clean record and live around Cincinnati, Ohio, check out Progressive. I saved quite a bit. Even increased my liability limits.

  4. Thomasine Mcguire

    Great site. Located in Virginia Beach, VA. Went online for free insurance quotes for a 2016 Mercedes-Benz AMG GT. Ended up at about $380 savings annually. Went with 21st Century. Bought it from an online quote.

  5. Mike Bass

    I’m in the east part of Jackson, Mississippi. I quoted with American Family, Safeco, and some smaller one I can’t remember the name of for my Mercedes-Benz and I’m now saving $59 a month.

  6. Concetta Pate

    Great site. Went with MetLife for my AMG GT and saved around $360 a year. Bought it from an online quote.

  7. Jenine Holman

    IT’S ALL TOO EXPENSIVE! I’m in the north part of Memphis, Tennessee. Checked online prices for a 2016 Mercedes-Benz AMG GT. Ended up at about $120 savings annually. Went with Allstate.

  8. Lina Barlow

    Cheapest quote for my 2016 Mercedes-Benz AMG GT was with Esurance.

  9. Erlinda Brooks

    Just a quick comment on my experience. From a town just southwest of Pittsburgh, PA. Quoted with American Family, Sentry, and some smaller one I can’t remember the name of for my 2016 Mercedes-Benz AMG GT and saved just over $410 a year. I have a teen driver too. Might find lower rates online.

  10. Norbert Pruitt

    Well-written and thought out article. I live in Seattle, WA. Got free quotes online for a 2016 Mercedes-Benz AMG GT. Ended up at about $570 savings annually. Went with 21st Century. Moved home policy as well. Wish I didn’t have to insure at all.

  11. Jenine Wilkins

    I live just to the west of Kansas City, KS. I got free prices from Allstate, Auto-Owners, Erie, and Hartford for my AMG GT and saved about $360 a year. Was with AIG Insurance. :)

  12. Melita Bauer

    I’m in Tacoma, Washington. I got free rates from AAA, Eastwood, and Safeco for my Mercedes-Benz and I’m now saving $17 a month. Left Safeco to switch.