2013 Mercedes-Benz SLS AMG GT Insurance Rates – 6 Ways to Save

Trying to find lower car insurance rates for your Mercedes-Benz SLS AMG GT? Baffled by the number of car insurance companies in your area? There are so many choices that it is a real challenge to find better car insurance rates.

You need to do rate comparisons occasionally since prices are constantly changing. If you had the lowest rate on SLS AMG GT coverage last year there may be better deals available now. Ignore everything you know about car insurance because you’re about to find out how to use online quotes to eliminate unnecessary coverages and save money.

How to get free insurance quotes online

To find the best insurance prices, there are several ways to obtain and compare prices from lots of insurance companies. The easiest way to compare 2013 Mercedes-Benz SLS AMG GT insurance prices is to jump online and get quotes. It is quite easy and can be accomplished in a couple of different ways.

  • One of the best ways consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating separate forms for every insurance company. Completing one form gets insurance cost estimates instantly.It’s the quickest way to get rates.
  • A more difficult way to shop for insurance online consists of going to the website of each company and fill out a new quote form. For sake of this example, we’ll assume you want to compare Progressive, Esurance and American Family. To get rate quotes you would need to navigate to each company’s site and enter your policy data, which can get rather old.

    For a list of links to insurance companies in your area, click here.

Whichever way you use, be certain you are entering apples-to-apples coverage limits and deductibles for each quote you get. If the quotes have different values for each quote it will be impossible to determine the lowest rate for your Mercedes-Benz SLS AMG GT. Just slight variations in limits could throw off the whole comparison. And when comparison shopping, quoting more increases your odds of finding a lower rate.

When in doubt talk to an agent

When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

For example, these questions can aid in determining whether or not you may require specific advice.

  • Do I need an umbrella policy?
  • What is no-fault insurance?
  • Can I make deliveries for my home business?
  • Is my 2013 Mercedes-Benz SLS AMG GT covered for flood damage?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form.

Car insurance policy coverages for a 2013 Mercedes-Benz SLS AMG GT

Having a good grasp of a car insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – This pays for damage to your SLS AMG GT caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, backing into a parked car, colliding with a tree and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability insurance – This coverage protects you from damage or injury you incur to a person or their property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like attorney fees, pain and suffering, court costs, funeral expenses and loss of income. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Mercedes-Benz SLS AMG GT.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, theft, fire damage, hitting a deer and damage from flooding. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses such as EMT expenses, rehabilitation expenses, ambulance fees, dental work and X-ray expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage