Three Easy Steps to Lower Rolls Royce Flying Spur Insurance Rates
If comparing car insurance was easy, most of us would do it more often. Unfortunately, it's not always as easy as it sounds to get the best rate. Cutting the check for each renewal on your Rolls Royce Flying Spur might give you the same feeling.
Step One: Compare Multiple Rates
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. But you can now comparison shop and buy direct online!
All the major car insurance companies sell insurance for a Rolls Royce Flying Spur and you don't even have to visit each individual website!
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Flying Spur.
Step Two: Tricks to Saving Money on Flying Spur Insurance
After completing step one above, you can now learn some of the other ways to slash your Flying Spur insurance costs.
- If you need the extra performance that your Rolls Royce Flying Spur gives you, then you'll have to pay extra to insure it. Higher performance cars tend to be more expensive to insure.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- Repair shops have more expenses when repairing damage on luxury vehicles, so they will charge your insurance company more to make the repairs. This will be evident in your insurance rates even if you don't have a claim.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- 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.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- 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.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- Particular years and models of cars tend to be frequently stolen, and if your Flying Spur is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- Comprehensive and collision coverages make up the majority of your car insurance bill. If you raise your deductibles, you can will see significant savings with every policy renewal.
Step Three: Finalize your Policy Details
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
Before you drive your Rolls Royce Flying Spur home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new Flying Spur at risk as soon as you drive away.
Be sure to replace any old proof-of-insurance cards in your car. You must always have the current card in your vehicle as required by state law. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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