Guide to Insuring your Alfa Romeo Spider Veloce for Less
If buying car insurance was fun, we'd do it as a recreational sport. But it's actually not a real enjoyable process for the majority of people and we always seem to end up paying too much. Insuring your Alfa Romeo Spider Veloce is probably no exception.
Step One: Insurance Quotes
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. But you can now comparison shop and buy direct online!
Comparing apples-to-apples price quotes for your Alfa Romeo Spider Veloce is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Apples-to-Apples! When doing comparison quotes for your Spider Veloce, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Best Ways to Lower your Spider Veloce Insurance Cost
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Spider Veloce insurance rates.
- 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.
- 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.
- Due to the sporty nature of the Spider Veloce, expect to pay a little more to insure it. Sport cars have higher rates than passenger vehicles due to the increased acceleration and tendancy of the drivers to use it.
- If you're a young driver, you will pay more to insure a Spider Veloce. There isn't anything you can do about your age, but rates will drop as you mature.
- The time it takes to complete a driver's safety training course could be time well spent. It could save you up to 10% off your car insurance rates.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- 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.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Vehicle thefts drive up the cost of everyone's insurance, but if your Spider Veloce is on the list of the most frequently stolen cars, you might be paying just a little extra.
Step Three: Choose a Company and Bind Coverage
Purchasing an insurance policy is more than just clicking a button. You need to have funds available to make payment and you need to be sure that the coverages are adequate for your personal situation.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
Before you drive your Alfa Romeo Spider Veloce 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. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Spider Veloce.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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