How to Lower Your Alfa Romeo Graduate Insurance Rates In Five Minutes or Less
If we enjoyed shopping for car insurance, we'd do it more often. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. Finding affordable coverage for your Alfa Romeo Graduate probably is no different.
Step One: Get Insurance Quotes
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Times have changed!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Alfa Romeo Graduate without even visiting their websites!
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Important Tip! In order to accurately compare rates for your Graduate, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Tried and True Ways to Save on Graduate Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Graduate insurance rates.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- Let's face it, you aren't driving a Graduate because of the fuel economy. You like the looks and performance and you'll pay a little more for insurance because you're driving a sports car.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Driver's safety courses will often get you a discount off your rates. Check to see if your company offers the discount and find a qualifying class in your area.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- Equipping your Alfa Romeo with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Graduate falls into either category, it could cost you.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
Step Three: Buy the Policy That's Right for You
Knowing which company to insure your Graduate with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
If you're cancelling an old policy, make sure the new coverage starts the same day your old policy ends. This avoids any penalty for having a lapse in coverage which can cost you more.
If this is a new policy with only the Alfa Romeo on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new Graduate will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
The Insurance Information Institute has a great resource of car insurance articles where you can learn more about coverages and money saving tips. Visit iii.org.
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