Lower your Ferrari F355 Berlinetta Rates in Less than Five Minutes
If finding cheaper car insurance was fun, we'd make the time to do it regularly. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Finding good insurance for your Ferrari F355 Berlinetta probably leaves you feeling the same way.
Step One: Compare Apples-to-Apples Quotes
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Not anymore!
All the major car insurance companies sell insurance for a Ferrari F355 Berlinetta and you can compare their rates by entering your information only one time.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your F355 Berlinetta is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Insure your F355 Berlinetta for Less
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- The Ferrari F355 Berlinetta is a higher performance vehicle, but do you really need the increased speed or power? Vehicles with more moderate performance are usually cheaper to insure.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- F355 Berlinetta replacement parts are more expensive due to the quality of the parts, so you can expect your physical damage rates to be higher to reflect the higher cost of repair.
- Members of many professional organizations can receive discounts on car insurance, and if you're a senior citizen, that could earn you an additional discount.
- Zero to 60 is pretty fast in with a F355 Berlinetta, but having this extra power will cost you in the form of a bigger insurance bill.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- How's your credit score? If it's good you will pay a lower rate than your poor credit counterparts. Work on improving weak credit and you will eventually see your car insurance bill go down.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- 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.
- The less chance of injury to passengers in an accident means lower insurance rates. Vehicles with safety features like side-impact airbags, head injury protection, antilock bracks and traction control generally will be cheaper to insure.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- Reduce your rates by buying a car that is not a hot model for car thieves. Certain makes and models are more tempting than others, and high-frequency stolen vehicles get charged a higher rate.
Step Three: Buy the Best Policy
Once you have compared identical rate quotes for your F355 Berlinetta and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Ferrari added prior to the expiration of this grace period. Your existing car insurance policy will give you some coverage if you buy a new or used F355 Berlinetta, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
After completing your policy purchase, you can print out the proof-of-insurance card to place in your car. Always keep the current card available in case requested by law enforcement or if you are in an accident. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
The Insurance Information Institute is the industry authority for consumer car insurance information.
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