2011 Mercedes-Benz SLS AMG Car Insurance Cost – 7 Ideas for Cheaper Prices

Trying to find low-cost insurance for your Mercedes-Benz SLS AMG can turn out to be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to compare rates for your Mercedes-Benz and find the lowest possible price from both online companies and local agents.

Consumers need to do rate comparisons periodically due to the fact that insurance rates go up and down regularly. Despite the fact that you may have had the best deal for SLS AMG insurance on your last policy you may be paying too much now. You can find a lot of misleading information regarding car insurance on the web, but I’m going to show you some proven techniques to reduce your car insurance bill.

Car Insurance Prices Online

Shopping for lower car insurance rates can be a lot of work if you aren’t aware of the most efficient way. You could waste a few hours discussing policy coverages with agents in your area, or you could save time and use online quoting for quick rates.

Most car insurance companies participate in a marketplace where prospective buyers enter their policy data once, and each company can give them a price. This eliminates the need for quote requests to each individual car insurance company.

To participate in this free quote system, click here (opens in new window).

The only downside to getting quotes like this is you don’t know exactly the companies you want to price. So if you want to choose specific providers to compare, we have a page of companies who write car insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just compare identical coverages for each price quote. If you use different liability limits then you won’t be able to decipher which rate is best.

How much can you save with these seven discounts?

Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

• Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
• Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz could qualify for discounted rates on garaged vehicles.
• Claim Free – Drivers with accident-free driving histories pay much less compared to bad drivers.
• Organization Discounts – Participating in certain professional organizations could trigger savings when buying auto insurance for SLS AMG insurance.
• Military Rewards – Having a deployed family member could be rewarded with lower premiums.
• Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
• Federal Government Employee – Simply working for the federal government may qualify you for a discount for SLS AMG insurance depending on your company.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of insurance companies who offer auto insurance discounts, click here.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

• When do I need to add a new car to my policy?
• Is my babysitter covered when using my vehicle?
• Is other people’s property covered if stolen from my vehicle?
• Do I need PIP (personal injury protection) coverage in my state?
• How much liability do I need to cover my assets?
• What is medical payments coverage?
• What if I total my 2011 Mercedes-Benz SLS AMG and owe more than it’s worth?
• Is my custom paint covered by insurance?
• Should I have combined single limit or split liability limits?
• How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mercedes-Benz SLS AMG.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, X-ray expenses, ambulance fees, surgery and nursing services. They can be used to cover expenses not covered by 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 will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, colliding with another moving vehicle, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims such as repair costs for stationary objects, attorney fees and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.