2012 Mercedes-Benz SLS AMG Insurance Rates – 5 Tips for Cheapest Quotes

Searching for lower car insurance rates for your Mercedes-Benz SLS AMG? Locating low-cost insurance for your Mercedes-Benz SLS AMG can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to find car insurance online so you’re going to learn the proper way to compare rates on a Mercedes-Benz and find the cheapest rates.

How much is insurance?

All major insurance companies provide price estimates on their websites. Obtaining pricing is fairly straightforward as all you need to do is type in the coverages you want into the quote form. When the form is submitted, their system sends out for your driving and credit reports and generates a price based on the information you submitted.

Being able to quote online simplifies rate comparisons, but the time it takes to visit a lot of sites and type in the same information can get tiresome after awhile. But it’s also necessary to do this if you want to get a better rate.

There is an easier way!

A more efficient way to get multiple rate quotes utilizes a single form that obtains quotes from many companies. The form is fast, requires much less work on your part, and makes online price comparison much easier to do. As soon as you send your information, your coverage is rated and you can select any or none of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process can be completed in less than 10 minutes and could lower your rates considerably.

To compare rates using this form now, click here and enter your information. If you have your current policy handy, we recommend you complete the form with coverages and limits as shown on your current policy. Doing this guarantees you will get a fair comparison using the same coverage and limits.

Special considerations

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

  • Do I have any recourse if my insurance company denies a claim?
  • Will my insurance pay for OEM parts?
  • Does my 2012 Mercedes-Benz SLS AMG need full coverage?
  • Should I buy only the required minimum liability coverage?
  • Are my friends covered when driving my 2012 Mercedes-Benz SLS AMG?
  • What is the minimum liability in my state?
  • What is covered by UM/UIM coverage?
  • Who is covered by my policy?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercedes-Benz SLS AMG.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision coverage

Collision coverage pays for damage to your SLS AMG resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like hospital visits, surgery, ambulance fees, doctor visits and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, fire damage, a broken windshield and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

Liability insurance will cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like repair costs for stationary objects, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.