Save on Alfa Romeo 164 Insurance in Five Minutes or Less

Searching for cheaper insurance for an Alfa Romeo 164 could be a lot of work, but you can use these tips to make it easier.

There is a better way to find car insurance online so we’re going to tell you the quickest way to quote coverages for a Alfa Romeo and obtain the best price possible from local insurance agents and online providers.

If you currently have car insurance, you will be able to reduce your rates substantially using these methods. Locating the best car insurance is not that difficult. Although drivers should learn the way companies price online insurance and use this information to your advantage.

Why you might be paying too much to insure your Alfa Romeo 164

It’s important that you understand the different types of things that go into determining car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in big savings.

• How’s your driving record? – Even a single ticket may increase your cost by twenty percent. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
• Poor credit can mean higher rates – Credit score is a important factor in determining what you pay for car insurance. If your credit history is lower than you’d like, you could save money insuring your Alfa Romeo 164 by improving your credit score. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with poor credit.
• Your car insurance rates can be influenced by your job – Did you know your occupation can influence how much you pay for car insurance? Occupations such as real estate brokers, architects and dentists tend to have the highest average rates attributed to job stress and long work days. Other occupations like actors, historians and homemakers receive lower rates on 164 coverage.
• Is your vehicle built for speed? – The performance of the vehicle you drive makes a significant difference in determining your rates. The lowest rates are for lower performance four cylinder passenger models, but the cost you end up paying is determined by many additional factors. Because the Alfa Romeo 164 is considered a passenger car, insurance will be similar in price or lower compared to average rates.
• More claims means more premium – Auto insurance companies provide better rates to insureds who file claims infrequently. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.

Don’t pay full price with these discounts

Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but a few must be manually applied before they will apply.

• Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
• Homeowners Savings – Owning a house can help you save on car insurance due to the fact that maintaining a home requires personal responsibility.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
• Distant Student – Kids in college who are attending college and do not have a car can be insured at a reduced rate.
• Accident Free – Claim-free drivers can earn big discounts compared to accident-prone drivers.
• Multi-policy Discount – If you have multiple policies with the same company you may earn approximately 10% to 15%.
• Air Bag Discount – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
• Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But all discounts will cut your premiums.

To see a list of insurance companies with discount car insurance rates, click here.

Your personal situation dictates your coverage

When buying the right insurance coverage, there is no cookie cutter policy. Each situation is unique.

For instance, these questions might point out if you might need professional guidance.

• Is borrowed equipment or tools covered if stolen or damaged?
• Why is insurance for a teen driver so high?
• Should I file a claim if it’s only slightly more than my deductible?
• Who is covered when they drive my Alfa Romeo 164?
• Why am I be forced to buy a membership to get insurance from some companies?
• Do I have coverage when pulling a U-Haul trailer?
• Does my policy cover me when driving someone else’s vehicle?
• Does my personal auto insurance policy cover using my vehicle for business use?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Quote often and quote early

Drivers switch companies for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, not issuing a premium refund and even questionable increases in premium. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at a price you can afford.

We just presented some good ideas how to reduce Alfa Romeo 164 insurance prices online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the best prices are with a company that doesn’t do a lot of advertising.