To save the most money, the best way to get low-cost Mercedes-Benz SLS AMG insurance in Arlington is to start comparing prices regularly from different companies who sell auto insurance in Texas. Price quotes can be compared by following these guidelines.
- First, spend a few minutes and learn about individual coverages and the modifications you can make to keep rates down. Many rating factors that result in higher rates like high-risk driving behaviors and a poor credit rating can be controlled by improving your driving habits or financial responsibility. This article provides instructions to get better rates and earn a bigger discount.
- Second, compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while independent agencies can provide prices for a wide range of insurance providers.
- Third, compare the quotes to your existing rates to see if a cheaper price is available. If you find a lower rate and change companies, make sure there is no coverage gap between policies.
- Fourth, notify your current company of your intention to cancel your current policy and submit the application along with any required down payment to your new carrier. As soon as coverage is bound, put the proof of insurance paperwork somewhere easily accessible.
A valuable tip to remember is to try to compare similar limits and deductibles on every quote and and to get rate quotes from all possible companies. Doing this guarantees a fair price comparison and a complete selection of prices.
We don’t have to tell you that insurance companies don’t want you comparing rates. Drivers who shop around annually are highly likely to buy a different policy because they have good chances of finding lower rate quotes. A recent study showed that drivers who compared prices once a year saved an average of $860 a year compared to drivers who never shopped around for better prices.
If finding budget-friendly auto insurance is why you’re here, then understanding how to get price quotes and compare insurance premiums can help you succeed in saving money.
When price shopping your coverage, comparing a large number of companies will improve the odds of getting the best rates. Not every company does online price quotes, so it’s important to also get prices from them as well.
The companies shown below can provide price quotes in Arlington, TX. If you want to find cheap auto insurance in TX, we recommend you visit two to three different companies in order to find the lowest rates.
Do you qualify for discounts?
Car insurance can cost a lot, but you might be missing out on some discounts that can dramatically reduce your bill. A few discounts will automatically apply when you purchase, but a few must be asked about before they will apply.
- Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates as compared to drivers with claims.
- Anti-theft Discount – Vehicles with anti-theft systems are less likely to be stolen so companies will give you a small discount.
- Renewal Discounts – Some companies provide a discount for signing up prior to your current SLS AMG insurance policy expiring. It can save you around 10%.
- Multi-policy Discount – If you have multiple policies with the same company you will save nearly 15% which can help you find affordable Mercedes-Benz SLS AMG insurance rates in Arlington.
- New Car Discount – Insuring a new SLS AMG can get you a discount since newer models are generally safer.
- College Student Discount – Older children who are enrolled in higher education away from home without a vehicle on campus could get you a discount.
- Military Deployment Discount – Being deployed with a military unit may lower your rates slightly.
Consumers should know that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
A few popular companies and some of their more popular discounts can be found below.
- State Farm has discounts for Drive Safe & Save, student away at school, good driver, Steer Clear safe driver discount, and passive restraint.
- Liberty Mutual offers discounts for newly retired, preferred payment discount, new vehicle discount, exclusive group savings, new graduate, and safety features.
- American Family may offer discounts for accident-free, mySafetyValet, Steer into Savings, good driver, and bundled insurance.
- Progressive discounts include good student, online quote discount, continuous coverage, multi-policy, and homeowner.
- Farmers Insurance policyholders can earn discounts including good student, pay in full, teen driver, switch companies, electronic funds transfer, and business and professional.
- Auto-Owners Insurance includes discounts for good student, anti-lock brakes, mature driver, anti-theft, multi-policy, safe driver, and paid in full.
- SAFECO offers discounts including safe driver, accident prevention training, multi-car, homeowner, anti-lock brakes, teen safety rewards, and anti-theft.
When getting free Arlington auto insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. Some discounts may not apply to policies in your area. If you would like to see a list of auto insurance companies that offer discounts in Arlington, click here.
Protect your Mercedes-Benz vehicle and other assets
Even though it’s not necessarily cheap to insure a Mercedes-Benz in Arlington, buying insurance may be required for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your Mercedes-Benz SLS AMG, most banks will stipulate that you buy insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender will be forced to insure your Mercedes-Benz for a lot more money and make you pay the higher price.
Third, insurance protects not only your car but also your financial assets. Insurance will pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees if you are named as a defendant in an auto accident. If your Mercedes-Benz gets damaged, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of insuring your SLS AMG greatly outweigh the cost, especially when you need to use it. According to a 2015 survey, the average American driver is currently overpaying as much as $810 a year so compare rate quotes at least once a year to make sure the price is not too high.
You are unique and your insurance should be too
When quoting and comparing a policy for your personal vehicles, there really is no one size fits all plan. You are unique so your insurance needs to address that.
For instance, these questions might help in determining whether your personal situation might need professional guidance.
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Am I covered if I hit someone who is not insured?
- Does every company file a SR-22 automatically?
- Am I covered if I break a side mirror?
- Should I get collision insurance on every vehicle?
- How can I force my company to pay a claim?
- What if I total my Mercedes-Benz SLS AMG and owe more than it’s worth?
- Does my policy cover my teen driver if they drive my company car?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.
Exclusive versus independent insurance agencies
A lot of people would rather sit down and talk to an agent and there is nothing wrong with that. A nice benefit of comparing rates online is you can get lower rates and still have a local agent.
To find an agent, once you fill out this simple form, your coverage information is submitted to agents in your area that can provide free Arlington auto insurance quotes and help you find cheaper coverage. You never need to contact any agents because prices are sent directly to your email. You can find lower rates without a big time investment. If for some reason you want to get a comparison quote for a specific company, you just need to navigate to their website and fill out the quote form the provide.
Picking the best insurance company needs to be determined by more than just the quoted price. Any agent in Arlington should be willing to answer these questions.
- Is insurance their full-time profession?
- Are claims handled at the agent’s location?
- Can you get a list of referrals?
- Can glass repairs be made at your home?
- Which insurance company do they prefer to write with?
- Does the agent have a valid license to sell insurance in Texas?
- Do you work with a CSR or direct with the agent?
- Will their companies depreciate repairs to your car based on the mileage?
If you’re trying to find a reputable agency, it’s helpful to know the types of insurance agents and how they are distinctly different. Insurance agencies in Arlington can be described as either independent or exclusive.
Exclusive Insurance Agents
Agents in the exclusive channel have only one company to place business with and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. These agents are usually well trained in insurance sales which aids in selling service over price.
Listed below are exclusive insurance agencies in Arlington that can give you price quotes.
Independent Insurance Agents
Independent agencies do not work for one specific company so as a result can place your coverage through many companies and find you cheaper rates. If your premiums go up, an independent agent can move your coverage which makes it simple for you. If you need lower rates, we recommend you compare prices from multiple independent agents to ensure the widest selection of prices.
Shown below is a short list of independent agencies in Arlington that are able to give price quote information.
Sun West Insurance Agency Inc
600 Six Flags Dr #102 – Arlington, TX 76011 – (817) 261-1101 – View Map