2015 Mercedes-Benz SLS AMG GT Final Edition Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2024

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Pricey Mercedes-Benz SLS AMG GT Final Edition insurance can bottom out your savings account and require stricter spending habits. Price shopping at each renewal is a smart way to ensure you are getting the best deal.

Companies like Allstate and Progressive continually bombard you with ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

Consumers need to take a look at other company’s rates periodically because auto insurance prices change quite often. Just because you had the best rates for SLS AMG GT Final Edition insurance two years ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you’re about to learn how to quote online to lower your rates without sacrificing coverage.

How to get free auto insurance quotes online

Most of the larger companies like State Farm, Allstate and GEICO provide coverage price quotes from their websites. Getting online quotes is easy for anyone as all you need to do is type in into the form. After you submit the form their quoting system automatically orders your credit score and driving record and generates a price. This simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it is imperative to get many rate quotes in order to get the best price on auto insurance.

The smarter way to find lower prices requires only one form that analyzes rates from several different companies. This type of form saves time, reduces the work, and makes rate comparisons a little more enjoyable. Immediately after submitting the form, it is rated and you are able to buy your choice of the quotes that you receive. If you find a better price you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and may result in a nice savings.

To compare rates now, simply enter your zip code here and submit your coverage information. If you currently have coverage, we recommend you input deductibles and limits just like they are on your policy. Using the same limits helps guarantee you will have comparison quotes using the same coverage and limits.

Cheaper rates by taking advantage of discounts

Companies don’t list every available discount in a way that’s easy to find, so the below list has a few of the more common as well as some of the hidden savings tricks you should be using when you buy car insurance online.

  • Theft Deterrent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Braking Control Discount – Cars with anti-lock braking systems are much safer to drive and earn discounts up to 10%.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Bundled Policy Discount – If you can bundle your homeowners and auto insurance and insure them with the same company you may save up to 20% off your total premium.
  • Telematics Discount – Insureds who allow their car insurance company to study driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive might see lower rates if their driving habits are good.

As a sidenote, some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will definitely reduce your overall bill.

A list of companies and a selection of discounts are shown below.

  • State Farm offers discounts for passive restraint, multiple autos, safe vehicle, accident-free, driver’s education, and good student.
  • GEICO offers discounts including multi-vehicle, multi-policy, daytime running lights, federal employee, and five-year accident-free.
  • Liberty Mutual has savings for preferred payment discount, new vehicle discount, multi-car, teen driver discount, hybrid vehicle, new graduate, and exclusive group savings.
  • The Hartford discounts include good student, vehicle fuel type, anti-theft, driver training, and defensive driver.
  • MetLife policyholders can earn discounts including accident-free, multi-policy, claim-free, good student, defensive driver, and good driver.
  • Progressive includes discounts for multi-vehicle, online quote discount, continuous coverage, multi-policy, and homeowner.

Before purchasing a policy, check with every company which credits you are entitled to. A few discounts may not apply to policies in your area. If you would like to choose from a list of providers that have a full spectrum of discounts, enter your zip code here.

How much auto insurance do I need?

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions could help you determine whether you would benefit from professional advice.

  • Will my rates increase for filing one claim?
  • Do I have coverage when making deliveries for my home business?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I afford to pay high deductible claims out of pocket?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my 2015 Mercedes-Benz SLS AMG GT Final Edition qualify for pleasure use?
  • Is a blown tire covered by insurance?
  • What can I do if my company won’t pay a claim?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete your zip code.

Smart consumers can cut their insurance premiums

Multiple criteria are used when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but other criteria are more obscure like your continuous coverage or how safe your car is. Smart consumers have a good feel for the different types of things that go into determining your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with much lower annual insurance costs.

  • Don’t buy add-on coverages that aren’t used – Policies have extra bells and whistles that sound like a good idea at the time on your SLS AMG GT Final Edition policy. Coverage for things like replacement cost coverage, better glass coverage, and membership fees are examples of these. They may seem like a good idea when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.
  • Poor credit score equals high rates – Credit rating can be a huge factor in calculating your premium rate. Insureds that have high credit ratings tend to be better risks to insure than drivers who have bad credit. If your credit rating is low, you could potentially save money when insuring your 2015 Mercedes-Benz SLS AMG GT Final Edition by taking the time to improve your credit score.
  • Buy as much liability protection as you can afford – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense to defend your case. Liability is cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Adjust comp and collision deductibles and save – Your deductibles tell how much you are willing to pay if the claim is covered. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of covered claims could be rear-ending another vehicle, fire damage, and damage from wind. The more damage repair cost the insured has to pay upfront, the less money you will pay for insurance for SLS AMG GT Final Edition insurance.
  • Cheaper premiums with safer cars – Vehicles with high crash test scores cost less to insure. Safe vehicles protect occupants better and lower injury rates means your insurance company pays less passed on to you as lower rates.
  • Never let your insurance expire – Driving without insurance can get your license suspended and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay higher rates, being ticketed for driving with no insurance may result in a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Is insurance coverage cheaper for females or males? – Over time, data shows that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Women and men get in auto accidents at about the same rate, but men cause more damage. Men also statistically get cited for more serious violations like driving under the influence (DUI). Teenage male drivers generally have the highest accident percentage so it costs more to insure them.
  • Too many claims drive up prices – If you’re an insured who likes to file claims you can expect either a policy non-renewal or much higher rates. Auto insurance companies award cheaper rates to insureds who are not frequent claim filers. Your car insurance is meant to be used in the event of more catestrophic claims.

Why you might not save $455 a year

Big name companies like State Farm, Allstate and GEICO consistently run television, radio, and online ads. All the companies make the same claim that drivers will save a bundle if you change your policy. That’s great but how can every company cost less than your current company? You have to listen carefully.

Many companies quote their best rates for the driver that will generate a profit. A good example of a profitable customer could be between 30 and 50, has never had a policy lapse, and the vehicle is rated for pleasure use. Any driver that meets those criteria may get the lowest premium rates and will most likely save if they switch.

Insureds who are not a match for this ideal profile will be quoted higher prices and business not being written. The ads say “people that switch” not “everyone that quotes” save that much money. This is how insurance companies can make claims like that. This really illustrates why you should do a price quote comparison at every renewal. Because you never know with any certainty which company will have better rates than you’re paying now.

Coverages available on your auto insurance policy

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses for things like pain medications, ambulance fees, EMT expenses, nursing services and dental work. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – Collision insurance covers damage to your SLS AMG GT Final Edition caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability insurance – Liability coverage will cover damage that occurs to people or other property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like medical services, funeral expenses, pain and suffering, bail bonds and attorney fees. How much coverage you buy is your choice, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Be a money saver!

Cost effective 2015 Mercedes-Benz SLS AMG GT Final Edition insurance can be bought online and from local insurance agents, and you should compare rates from both to have the best selection. A few companies may not provide online quoting and most of the time these regional insurance providers prefer to sell through independent insurance agencies.

You just learned many ideas to get a better price on 2015 Mercedes-Benz SLS AMG GT Final Edition insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from the least-expected company. These smaller insurers can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

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