Free Guide to Lower Rolls Royce Silver Seraph Insurance Rates
If shopping your car insurance around was fun, we'd do it much more often. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Finding affordable coverage for your Rolls Royce Silver Seraph probably is no different.
Step One: Insurance Rate Comparison Quotes
If you haven't priced insurance for awhile, you may still think that the only way to compare rates is to drive around town to multiple insurance offices and meet with an agent. Now that we have the internet, shopping for car insurance online is a snap!
Getting online rate quotes for a Rolls Royce Silver Seraph from all the major insurance companies is very easy and only requires you to enter your information once.
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.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Silver Seraph is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: Top Ways to Get Lower Silver Seraph Insurance
There are many contributing factors that determine what you pay to insure your Rolls Royce. You can help yourself (and your wallet) by paying attention to the following rate factors.
- Some people just like the looks of a higher performance vehicle like the Rolls Royce Silver Seraph, but even if you don't use the extra power it's going to cost you more when your insurance bill arrives.
- 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.
- OEM repair parts for the Silver Seraph cost more due to the higher quality. You will pay more for insurance because of this.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- Car insurance rates for a teen driver on a Rolls Royce Silver Seraph will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- 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.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- 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.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
Step Three: Buy the Policy That's Right for You
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
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.
Coverage will extend from your current policy if you're buying a Rolls Royce Silver Seraph, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Most car insurance companies will extend coverage to newly purchased vehicles, but only up to the limits of the best insured vehicle. So if you only carry liability insurance and no physical damage coverage, your new purchase will be inadequately insured until you specifically add it to the policy with full coverage.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you qualilfy as a high-risk driver after being convicted of a DUI, reckless driving or driving on a suspended license, you may be required to file an SR-22 with your state's DMV. Be sure your new car insurance company is aware of this filing requirement.
Additional Learning Resources
For more detailed car insurance topics, visit the Insurance Information Institute.