Buying Affordable Auto Insurance for an Alfa Romeo 164 Made Easy

Tired of trying to scrape together enough money to buy car insurance? You’re in the same situation as many other drivers. Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a insurer and get the best coverage at the best rate

If you are insured now or need a new policy, you can learn to cut your premiums while maintaining coverages. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need an understanding of the tricks to compare company rates online.

Alfa Romeo 164 insurance premiums are calculated by many factors

It’s important that you understand some of the elements that go into determining your auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

• Where you live – Living in less populated areas has it’s advantages when talking about auto insurance. Drivers who live in large cities have congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident.
• Little extras can really add up – There are a ton of additional coverages that you can get tricked into buying if you aren’t careful. Coverages for roadside assistance, accidental death and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so eliminate them to save money.
• Too many auto insurance claims drive up costs – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance companies award better rates to insureds who are claim-free. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Adjust deductibles and save – Your deductibles define the amount you are willing to pay in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more you have to pay, the bigger discount you will receive on 164 coverage.

Discounts are available to cut your rates

Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

• Seat Belts Save – Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
• Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
• No Claims – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
• Good Students Pay Less – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.
• Federal Employees – Being employed by or retired from a federal job can save as much as 8% on 164 coverage with a few auto insurance companies.
• Sign Early and Save – Some insurance companies reward drivers for switching to them before your current policy expires. It can save you around 10%.
• Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
• Safety Course Discount – Completing a driver safety course could cut 5% off your bill depending on where you live.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.

Consumers should know that many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way.

To choose companies with discount auto insurance rates, click this link.

But I prefer to buy car insurance from an agent

Some consumers would prefer to visit with an insurance agent and there is nothing wrong with that. Insurance agents can point out coverage gaps and give you someone to call. The best thing about comparing rates online is the fact that you can find lower rates and still have an agent to talk to.

By using this quick form, your information is sent to agents in your area who will battle to get your business. There is no need to visit any agencies since price quotes are sent to your email. It doesn’t get any easier!

Picking a company shouldn’t rely on just the premium amount. Any agent should be forthright in answering these questions:

• Do they carry Errors and Omissions coverage?
• Can glass repairs be made at your home?
• Do they regularly work with personal auto policies?
• What are the financial ratings for the companies they represent?
• Which insurance companies are they affiliated with?
• Do they feel the quoted coverages are adequate?
• Are there any hidden costs in their price quote and does it include driving and credit history?

Captive and independent insurance agencies

If you’re trying to find a good insurance agency, there are a couple of types of agencies from which to choose. agents are classified as either independent or captive. Either one can properly insure your vehicles, but it’s important to know how they are different since it may influence your selection of an agent.

Agency Captives

Captive insurance agents write business for a single company and examples are State Farm or Allstate. These agents are unable to place coverage with different providers so keep that in mind. These agents are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.

Independent Agents

Independent agents are not required to write business for one company but instead can place your coverage with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency.

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

For a full directory of agents, click here.

After receiving positive responses to these questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that meets your needs to properly service your auto insurance policy.

Affordable insurance is out there

Discount Alfa Romeo 164 insurance can be bought on the web and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

When shopping online for auto insurance, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.