9 Discounts Consumers Forget when Buying Insurance Online for a Rolls Royce Silver Dawn

Locating low-cost insurance for a Rolls Royce Silver Dawn can normally be an all-consuming task, but you can follow our auto insurance buying tips and make it easy. There is a right way and a wrong way to buy auto insurance so you’re going to learn the quickest way to compare rates for your Rolls Royce and get the lowest possible price.

Consumers should take time to price shop coverage quite often because insurance rates tend to go up over time. Just because you found the best rates on Silver Dawn coverage six months ago you can probably find a better price now. You can find a lot of wrong information about auto insurance on the internet, so we’re going to give you some proven techniques to find affordable auto insurance.

If you have car insurance now, you will most likely be able to save some money using these techniques. Finding the lowest cost auto insurance coverage is quite easy. But car owners should learn how the larger insurance companies sell online because it can help you find the best coverage.

Vehicle Insurance Comparison

All the larger auto insurance companies such as State Farm and Allstate provide prices directly from their websites. The process is fairly straightforward as you just enter your coverage information into the quote form. After the form is submitted, the system pulls credit information and your driving record and gives you a price quote.

This makes comparing rates easy, but the time it takes to visit a lot of sites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to get many rate quotes if you want to find the lowest price.

Compare rates the easy way

The preferred way to compare auto insurance pricing uses one simple form to obtain quotes from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes quoting online much more enjoyable and efficient. After sending your information, it is rated and you are able to buy any one of the quotes returned. If a lower price is quoted, you can simply submit the application and buy the new coverage. This process can be completed in less than 10 minutes and may result in a nice savings.

To find out what other companies charge, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you copy as close as possible to your current policy. This makes sure you will have a rate comparison using the same coverage and limits.

Are you getting all your discounts?

Companies that sell car insurance don’t always list all available discounts very clearly, so we researched some of the best known and the more hidden savings tricks you should be using.

• Safety Course Discount – Taking a driver safety course can save you 5% or more if your company offers it.
• Discount for Life Insurance – Some companies give a break if you buy life insurance.
• One Accident Forgiven – Some insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
• Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
• Low Mileage – Fewer annual miles on your Rolls Royce could be rewarded with lower rates on the low mileage vehicles.
• Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
• Passive Restraint Discount – Vehicles with factory air bags may earn rate discounts of up to 25% or more.
• Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

To see a list of providers with discount auto insurance rates, follow this link.

You may need specialized coverage

When it comes to choosing the right insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique.

For instance, these questions can help discover whether your personal situation could use an agent’s help.

• Where can I get insurance after a DUI in my state?
• Is there coverage for injuries to my pets?
• Am I covered when using my vehicle for business?
• How can I get high-risk coverage after a DUI?
• What discounts do I qualify for?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage breakdown

Having a good grasp of auto insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Auto liability – This can cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like court costs, structural damage, loss of income, bail bonds and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as EMT expenses, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance covers damage to your Silver Dawn from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like rolling your car, driving through your garage door, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, hitting a bird, damage from a tornado or hurricane and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Rolls Royce Silver Dawn.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.