How Much Does 2018 Mercedes-Benz AMG GT Car Insurance Cost 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 22, 2024

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Searching for lower auto insurance rates? Consumers have lots of choices when looking for affordable Mercedes-Benz AMG GT insurance. They can either waste time calling around to compare prices or save time using the internet to make rate comparisons. There is a right way and a wrong way to find auto insurance online so you’re going to learn the proper way to compare rates for a new or used Mercedes-Benz and locate the best price possible.

You should make it a habit to check auto insurance prices occasionally because rates change frequently. Even if you got the lowest premium rates for AMG GT coverage on your last policy you can probably find a better price now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the right way to save money, get proper deductibles and limits, all at the lowest rate.

Discounts for affordable auto insurance rates

Insuring your vehicles can cost a lot, but you might already qualify for some discounts that may help make it more affordable. Many of these discounts will be applied automatically when you quote, but a few must be asked for before they will apply.

  • Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
  • Include Life Insurance and Save – Auto insurance companies who offer life insurance give a small discount if you purchase auto and life insurance together.
  • Lower Rates for Military – Having a deployed family member could trigger a small discount.
  • New Car Discount – Putting insurance coverage on a new car can save you some money compared to insuring an older model.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to use their safety belts can save 10% or more off the PIP or medical payment premium.

One thing to note about discounts is that most discounts do not apply to the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way.

Large auto insurance companies and their possible discounts can be found below.

  • State Farm policyholders can earn discounts including good driver, driver’s education, anti-theft, multiple policy, and accident-free.
  • Nationwide has discounts for business or organization, good student, multi-policy, anti-theft, accident-free, and Farm Bureau membership.
  • GEICO discounts include emergency military deployment, federal employee, good student, defensive driver, multi-policy, daytime running lights, and membership and employees.
  • AAA includes discounts for pay-in-full, education and occupation, good driver, AAA membership discount, multi-policy, anti-theft, and multi-car.
  • 21st Century may have discounts that include anti-lock brakes, teen driver, theft prevention, homeowners, student driver, driver training, and automatic seat belts.
  • The Hartford has savings for good student, bundle, air bag, defensive driver, driver training, and vehicle fuel type.

If you need low cost insurance quotes, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not apply in your area. To choose insurers that have a full spectrum of discounts, enter your zip code here.

You may need specialized insurance coverage

When choosing coverage, there is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions could help you determine if your insurance needs might need an agent’s assistance.

  • What can I do if my company won’t pay a claim?
  • Does coverage extend to Mexico or Canada?
  • What happens if I owe more than my 2018 Mercedes-Benz AMG GT is worth?
  • How much liability do I need to cover my assets?
  • What is UM/UIM insurance?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Do drivers who switch really save?

Drivers constantly see and hear ads for insurance coverage savings from companies such as 21st Century, Allstate and State Farm. All the companies advertise claims about saving some big amount if you just switch your coverage.

It sounds good, but how can they all offer you a better deal? It’s all in how they say it.

Different companies quote their best rates for the type of driver they prefer to insure. For example, a desirable insured might be described as a female over age 40, has never had a claim, and does not commute to work. Any new insured who matches that profile will get very good car insurance rates and will probably save a lot of money.

Insureds who cannot meet the “perfect” profile may be forced to pay higher premium rates and ends up with the prospect going elsewhere. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” save that much money. That’s the way insurance companies can confidently make it sound like they have such great prices. This really drives home the point why you really need to compare many company’s prices. It is just not possible to predict which company will fit you best based on your risk profile.

Insurance coverage basics

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

Liability coverage will cover injuries or damage you cause to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability coverage protects against things such as medical expenses, funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, theft, a tree branch falling on your vehicle, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

This coverage will pay to fix damage to your AMG GT resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses such as ambulance fees, nursing services and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Don’t throw your cash in the trash

Discount 2018 Mercedes-Benz AMG GT insurance is available online and from local insurance agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance companies don’t offer online rate quotes and these regional insurance providers provide coverage only through local independent agents.

As you quote insurance, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced liability coverage limits only to regret that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Consumers switch companies for a number of reasons such as lack of trust in their agent, not issuing a premium refund, high prices and even extreme rates for teen drivers. No matter why you want to switch, switching companies is not as hard as you think.

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