Compare 2015 Mercedes-Benz SLS AMG GT Final Edition Car Insurance Rates

Finding better insurance prices for a new or used Mercedes-Benz SLS AMG GT Final Edition can turn out to be an all-consuming task, but you can follow our insurance coverage buying tips to save time.

There is a right way and a wrong way to find insurance coverage online and we’ll show you the quickest way to get price quotes for your Mercedes-Benz and locate the best price possible.

It is always a good idea to check insurance coverage prices before your policy renews since rates are variable and change quite frequently. Despite the fact that you may have had the best rates for SLS AMG GT Final Edition insurance a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the easiest way to lower your rates without sacrificing coverage.

Get lower rates on 2015 Mercedes-Benz SLS AMG GT Final Edition insurance

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but a few need to be manually applied prior to receiving the credit. If you’re not getting every credit available, you are paying more than you should be.

  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for SLS AMG GT Final Edition insurance with select insurance companies.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for SLS AMG GT Final Edition insurance.
  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will cut the amount you have to pay.

For a list of insurers offering insurance discounts, click here to view.

Free Quotes for Insurance Coverage

Effectively comparing insurance coverage prices can be exhausting if you don’t know the easiest way. You could spend the better part of a day talking to insurance agencies in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many companies participate in a marketplace where prospective buyers submit one quote, and every company then gives them pricing based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

One minor caviat to comparing rates this way is you can’t choose which insurance companies to get pricing from. So if you want to select specific insurance companies to receive pricing from, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, make absolute certain that you use identical coverages on every quote. If each company quotes higher or lower deductibles you can’t possibly determine which rate is truly the best.

Your Mercedes-Benz SLS AMG GT Final Edition insurance rate is a complex equation

It’s important that you understand the rating factors that help determine insurance rates. Knowing what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Liability coverage is peace of mind – Your policy’s liability coverage provides coverage if ever you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
  • Never go without insurance – Driving with no insurance is illegal and you will pay a penalty because you let your insurance lapse. Not only will rates go up, failure to provide proof of insurance will get you a license revocation or jail time.
  • Your car’s features help determine rates – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Better credit scores mean better rates – Having a bad credit score is a large factor in your rate calculation. If your credit history is lower than you’d like, you could potentially save money when insuring your 2015 Mercedes-Benz SLS AMG GT Final Edition by repairing your credit. Consumers who have excellent credit tend to be less risk to insure than those with poor credit.
  • Rates may be higher depending on your occupation – Occupations such as lawyers, social workers and dentists have the highest average rates due to high stress levels and lots of time spent at work. Other occupations like pilots, historians and the unemployed get better rates for SLS AMG GT Final Edition insurance.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can help discover whether you could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need more liability coverage?
  • How much liability insurance is required?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How high should my medical payments coverage be?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Do insurance companies bend the truth?

Drivers can’t ignore all the ads that promise big savings from the likes of Progressive, Geico, Allstate and State Farm. All the companies have a common claim that you can save if you switch your coverage to them.

How do they all say the same thing?

All the different companies can use profiling for the type of customer that makes them money. For example, a desirable insured could possibly be between 30 and 50, has no driving citations, and drives newer vehicles. Any driver that hits that “sweet spot” gets the lowest rates and therefore will save when switching.

Consumers who don’t meet these standards will be charged higher premiums which leads to business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That is how insurance companies can make those claims.

That is why it is so important to get quotes from several different companies. It’s impossible to know which company will have the lowest Mercedes-Benz SLS AMG GT Final Edition insurance rates.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, a broken windshield and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

This can cover damage that occurs to people or other property by causing an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair costs for stationary objects, court costs and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, doctor visits and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz SLS AMG GT Final Edition.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Coverage for collisions

This coverage covers damage to your SLS AMG GT Final Edition resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Shop smart and save

Cheap 2015 Mercedes-Benz SLS AMG GT Final Edition insurance can be found from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

We just presented a lot of tips how to get a better price on insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest premiums are with an unexpected company.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.

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