Compare 2021 Mercedes-Benz AMG GT Insurance Rates 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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No sane person enjoys paying for insurance coverage, especially when they know they could find lower prices if they just compared rates.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with advertising and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

Reduce your insurance rates with discounts

Insurance is easily one of your largest bills, but you may find discounts that may help make it more affordable. Some discounts will apply when you purchase, but a few must be specifically requested prior to getting the savings.

  • Theft Deterrent System – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Active Military Service – Being on active duty in the military can result in better rates.
  • Own a Home – Just being a homeowner can get you a discount since home ownership shows financial diligence.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • E-sign – A few larger online companies provide a small discount get car insurance on their website.
  • Discounts for Government Workers – Active or former government employment could provide a small rate reduction on AMG GT insurance depending on your company.
  • Discounts for Multiple Vehicles – Buying insurance for multiple cars or trucks with the same company can reduce the rates for all insured vehicles.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.

Don’t be surprised that most discounts do not apply to the whole policy. Some only reduce specific coverage prices like medical payments or collision. Just because you may think you could get a free insurance policy, that’s just not realistic.

To view insurance companies with discount insurance rates, enter your zip code here.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help highlight if your insurance needs will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • Does having multiple vehicles earn me a discount?
  • Can I rent a car in Mexico?
  • When does my teenage driver need to be added to my policy?
  • Should I get collision insurance on every vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and enter your zip code.

Will you really save $401 on car insurance?

Respected companies like Allstate, GEICO and Progressive consistently run ads on TV and radio. They all make the point that drivers will save a bundle if you switch your policy. How does every company say the same thing? It’s all in the numbers.

Most companies have underwriting criteria for the type of insured that will not have excessive claims. For instance, this type of insured could possibly be over the age of 35, has had continuous coverage, and has excellent credit. Anybody who meets those qualifications will get the preferred premium rates and will also save a lot if they switch.

People who are not a match for this ideal profile will probably have to pay a higher rate with the end result being the customer not purchasing. The ads say “customers that switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can confidently state the savings.

This illustrates why it is so important to get car insurance quotes from several different companies. It is just not possible to predict which insurance companies will have the best prices.

Auto insurance coverages

Having a good grasp of your auto insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types available from auto insurance companies.

Collision coverage – Collision coverage will pay to fix damage to your AMG GT from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with a tree, sustaining damage from a pot hole, backing into a parked car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for liability – This coverage provides protection from damage or injury you incur to other people or property. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair costs for stationary objects, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like rehabilitation expenses, pain medications, EMT expenses, dental work and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, hitting a deer, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Mercedes-Benz AMG GT.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these limits do not exceed the liability coverage limits.

At the end of the day…

We just presented some good ideas how you can save on 2021 Mercedes-Benz AMG GT insurance. It’s most important to understand that the more you quote car insurance, the better your chances of lowering your rates. Drivers may discover the best prices are with an unexpected company. Smaller companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your focus should be to buy enough coverage at an affordable rate while still protecting your assets.

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