Are Your Rolls Royce Silver Seraph Car Insurance Rates Draining Your Savings?

Are you a victim of overpriced car insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out. Lots of auto insurance companies contend for your business, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest cost out there.

Car Insurance Quote Comparison

Cutting your car insurance rates is not a difficult process. All that’s required is to invest a little time comparing price quotes online from several insurance companies. This can be done in several different ways.

  1. The fastest way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do separate quotes to each individual car insurance company. A single, simple form will get you rate comparisons from several companies.
  2. Another way to get quotes online requires a visit to each individual company website and complete a new quote form. For example, let’s assume you want to compare Allstate, Farmers and American Family. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The least efficient way of comparing rate quotes is driving around to insurance agents’ offices. Shopping for car insurance online eliminates the need for an insurance agent unless you require the professional guidance that only a license agent can provide. However, consumers can comparison shop your insurance online but buy from a local insurance agent.

It doesn’t matter which method you choose, just double check that you are using exactly the same coverage limits and deductibles with every price quote. If you are comparing different liability limits you can’t possibly determine the best price for your Rolls Royce Silver Seraph.

Take advantage of discounts

Companies offering auto insurance don’t always advertise all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Silver Seraph insurance with select insurance companies.
  • Accident Forgiveness – A few companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Rolls Royce could be rewarded with lower rates on the low mileage vehicles.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Silver Seraph insurance than drivers with accident claims.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of companies with the best car insurance discounts, click this link.

But I prefer to buy car insurance from an agent

Some consumers would rather talk to a local agent. Licensed agents can point out coverage gaps and give you peace of mind. One of the best bonuses of getting online price quotes is the fact that you can find the lowest rates but still work with a licensed agent.

By using this simple form, the coverage information is emailed to local insurance agents who will battle for your coverage. There is no reason to leave your house as quotes are delivered directly to your email. How’s that for easy! car insurance quote

Deciding on an provider needs to be determined by more than just the price. Some important questions to ask are:

  • Do the coverages you’re quoting properly cover your vehicle?
  • Are you getting all the discounts the company offers?
  • Can they give you a list of client referrals?
  • Do they receive special compensation for putting your coverage with one company over another?
  • How long has their agency been in business?

Captive or Independent: There is a difference

When searching for a good insurance agency, there are two different types of agents from which to choose. Agents are either captive or independent. Both do a good job, but it’s important to know how they are different since it can impact buying decisions.

Captive Insurance Agents

This type of agents are contracted to one company and examples are Allstate, AAA, Liberty Mutual and State Farm. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. These agents are very knowledgeable on their company’s products which can be an advantage.

Independent Agents (or Brokers)

These agents are not employed by any specific company but rather can write business with lots of companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing rates, it’s a good idea to include at a minimum one independent agency for maximum quote selection.

For a full directory of insurance agents, click here.

After getting satisfactory answers for all questions you ask and an acceptable price quote, you have narrowed it down to an insurance agency that will adequately provide car insurance.

Rolls Royce Silver Seraph insurance rates

Factors that can influence insurance rates for a Rolls Royce Silver Seraph

Smart consumers have a good feel for the different types of things that play a part in calculating your car insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get big savings.

Shown below are a partial list of the pieces companies use to determine your rates.

  • Sex matters – The statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. They both are in accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.
  • Rates may be higher depending on your occupation – Jobs such as doctors, executives and accountants have higher rates than average attributed to high stress levels and lots of time spent at work. On the flip side, occupations like actors, athletes and retirees get better rates for Silver Seraph insurance.
  • Liability coverage is cheap – Liability coverage provides coverage if a court rules you are at fault for damages from an accident. It will provide for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Don’t let your coverage lapse – Having an insurance coverage lapse is a sure-fire way to bump up your car insurance costs. Not only will rates go up, failure to provide proof of insurance can result in a steep fine or even jail time.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Having a spouse can save you money – Having a wife or husband can get you a discount on your policy. It is viewed as being more mature it has been statistically shown that being married results in fewer claims.
  • High performance equals high price – The performance of the car you own makes a huge difference in your rates. Due to the fact that the Rolls Royce Silver Seraph is classified as a luxury sedan, insuring your vehicle will cost more than the average rate where you live. Lower performance four cylinder passenger vehicles receive the most favorable rates, but there are many factors that impact the final cost.

Best coverage at the best price

Cheaper Rolls Royce Silver Seraph insurance can be bought both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Throughout this article, we presented some good ideas how you can shop for Rolls Royce Silver Seraph insurance online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from some of the smallest insurance companies. They may only write in your state and offer lower rates than their larger competitors like GEICO and State Farm.