Save on 2016 Mercedes-Benz AMG GT Insurance Quotes

Feel like you’re a prisoner to an overpriced insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

You have so many car insurance companies to choose from, and although it’s nice to be able to choose, having more insurers makes it harder to get the best deal.

You should take the time to shop coverage around every six months because rates change frequently. Just because you had the best deal for AMG GT insurance two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the fastest and easiest way to buy cheaper insurance.

How to Compare Insurance Quotes

There are a variety of methods to shop for 2016 Mercedes-Benz AMG GT insurance, but one way is easier and takes less work. You can waste a lot of time discussing policy coverages with agents in your area, or you can stay home and use online quoting to achieve your goal.

Many companies participate in a marketplace where prospective buyers complete one form, and each participating company returns a rated price based on that information. This saves time by eliminating form submissions to each company. To compare pricing click here (opens in new window).

The single downside to using this type of system is you don’t know exactly which insurance companies you want pricing from. So if you want to select from a list of companies to compare rates, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverage limits for each price quote. If you are comparing higher or lower deductibles it’s impossible to determine the best price for your Mercedes-Benz AMG GT. Slightly different limits could mean much higher rates. And when quoting insurance, remember that more quotes helps you find a better price.

Get lower rates on Mercedes-Benz AMG GT insurance

Auto insurance companies do not list every discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save 10% or more off your medical payments premium.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
  • Organization Discounts – Affiliation with a qualifying organization is a good way to get lower rates when buying auto insurance for AMG GT insurance.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • No Charge for an Accident – A handful of insurance companies allow you one accident without raising rates if your claims history is clear for a set time period.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • New Car Discount – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Government Employees – Simply working for the federal government can save as much as 8% for AMG GT insurance with certain companies.

It’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way.

Car insurance companies that may offer these discounts are:

Before buying, ask each company how you can save money. Some discounts might not be offered everywhere.

Mercedes-Benz AMG GT rates are in the details

It’s important that you understand the factors that come into play when calculating the price you pay for car insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in lower car insurance prices.

The list below includes some of the factors that factor into premiums.

  • Your occupation can affect rates – Careers like lawyers, business owners and dentists tend to have the highest average rates due to job stress and long work days. Other occupations such as actors, historians and retirees receive lower rates for AMG GT insurance.
  • How many coverages with the same company – Most insurers provide better rates to insureds who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to shop around to ensure the best deal.
  • Do you have enough liability coverage? – The liability section of your policy is the protection if ever a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • An active claims history can cost you – Insurance companies award discounts to policyholders who do not file claims often. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.
  • Extra add-on coverages are wasting money – There are quite a few extra coverages that you can buy when buying car insurance. Things like personal injury protection, towing coverage and membership fees are some examples. These may sound like a good investment initially, but your needs may have changed so remove them from your policy.
  • Where you reside plays a part – Living in a small town can save you money when buying car insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident.
  • High deductibles save money – Deductibles for physical damage represent how much money you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply could be colliding with a building, vandalism, and burglary. The more you are required to pay out-of-pocket, the less your company will charge you for insurance for AMG GT insurance.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. These are some specific questions can help discover if your insurance needs could use an agent’s help.

  • Am I covered when delivering products for my home-based business?
  • Which is better, split liability limits or combined limits?
  • Why does it cost so much to insure a teen driver?
  • Does coverage extend to a rental car in a foreign country?
  • Who is covered by my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my 2016 Mercedes-Benz AMG GT need full coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverages and their meanings

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Liability auto insurance – Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like funeral expenses, legal defense fees and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your AMG GT from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like vandalism, a broken windshield, damage from a tornado or hurricane and hail damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills like pain medications, nursing services, hospital visits, chiropractic care and rehabilitation expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mercedes-Benz AMG GT.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Get your money’s worth

Cost effective 2016 Mercedes-Benz AMG GT insurance can be purchased online and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer online quoting and these smaller companies work with independent agents.

As you prepare to switch companies, do not buy less coverage just to save a little money. There are too many instances where someone dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.

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