Rolls Royce Park Ward Insurance – 9 Discounts Consumers are Losing Out On

Searching for cheaper insurance for a Rolls Royce Park Ward can normally be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to buy auto insurance so we’re going to tell you the quickest way to quote coverages for a Rolls Royce and get the best price possible either online or from local insurance agents.

Are you getting all your discounts?

Companies that sell car insurance don’t always publicize every available discount very clearly, so here is a list some of the more common and the harder-to-find savings tricks you should be using. If you’re not getting every credit you deserve, you’re paying more than you need to.

• Safety Course Discount – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
• Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Park Ward insurance than drivers with accidents.
• Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
• Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
• Paperwork-free – Certain companies may give you up to $50 for buying a policy and signing up online.
• No Claims – Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
• Government Employees – Active or retired federal employment can earn a discount up to 10% on Park Ward insurance depending on your company.
• Military Rewards – Being deployed with a military unit could mean lower rates.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of providers offering auto insurance discounts, follow this link.

Quote online but still have a local agent

A small number of people would prefer to buy from a local agent and that is just fine! Professional agents can point out coverage gaps and give you someone to call. The biggest benefit of getting online price quotes is you may find the best rates and still have an agent to talk to.

Once you complete this quick form, your coverage information is sent to companies who will compete to get your business. There is no need to leave your computer because quoted prices will be sent to your email.

Picking an insurance company shouldn’t rely on just the price. Here are some questions to ask:

• What insurance companies do they work with?
• How long have they worked with personal auto insurance coverage?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• How much will you save each year by using a higher deductible?
• What is the agency’s Better Business Bureau rating?
• Can glass repairs be made at your home?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Is the agency involved in supporting local community causes?

To view licensed agents in your state, click here.

Once you have positive feedback to these questions in addition to an acceptable price estimate, you may have just found an insurer that can provide auto insurance coverage. But remember, once you purchase a policy you can terminate your policy any time you want so never feel you are locked into a policy with no way to switch.

The auto insurance bait and switch

Consumers constantly see and hear ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. They all say the same thing that you’ll save big after switching to their company.

But how can every company claim to save you money? It’s all in the numbers.

Different companies can use profiling for the right customer that makes them money. For instance, a profitable customer might be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. Any new insured who meets those qualifications will get the preferred rates and therefore will save when they switch companies.

Potential customers who are not a match for this ideal profile will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can advertise the way they do. This emphasizes why it’s extremely important to get a wide range of price quotes. It is impossible to predict the company that will give you the biggest savings.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for dental work, prosthetic devices, surgery, doctor visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability coverages

Liability coverage will cover damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, medical expenses and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Rolls Royce Park Ward.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, rock chips in glass, damage from a tornado or hurricane and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Keep this in mind

We just presented many ways to get a better price on Rolls Royce Park Ward insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even find the most savings is with a small local company.

When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an accident victim reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Lower-priced Rolls Royce Park Ward insurance can be purchased from both online companies in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.