Welcome to Car Buying Guide
Best Buy On New Car Article
I hope to provide all the necessary information on car buying and lowering insurance costs for you through this article.
"Lowering Your Auto Insurance Costs"
Vehicle insurance - a cost we all must bear if we want to drive. But you might be surprised at how varied the rates for car insurance can be in your area. Definitely shop around for your car insurance. Don’t just go with the first agent you speak with.Now, thanks to the internet, you can shop around right from the comfort of home. Go ahead and get at least three price quotes from different kinds of insurance companies.
If you’re in the market for a new car, call to see how much it will cost to insure in the first place. Having a car alarm and other anti-theft devices can help lower your costs.
Always ask about discounts. Don’t be shy. Companies expect this!
What’s my cost if I have a $500 deductible or excess? (Increasing your excess from $200 to $500 could reduce your collision and comprehensive coverage cost by as much as 30 percent.)
How about a $1,000 deductible? Going to a $1,000 deductible or excess, can save you 40 percent or more. (Now if you don’t keep at least this much in the bank, don’t choose this option!)
If your car is worth less than 10 times the annual insurance premium, purchasing extra coverage may not be cost effective. That’s one great thing about owning an old car!
What if we insure more than 1 car with your company?
Some companies will charge a second car 4 or 5 times higher than the first car, and if that is the case, insure the second car with another company. You may also find a young sibling being charged excessive amounts of money when they first start driving. One way around this is to register their car in your name and purchase the insurance with your child as a named driver. You then insure your car with a different company. When your child has had a year or two of driving experience, they can then insure in their own right when the cost is cheaper.
Ask any of these questions that are applicable to you to get further reductions:
I haven’t had an accident in more than three years…
I haven’t had a traffic ticket in three years…
I’ve taken a driver’s training course.
My car has an anti-theft device.
I don’t put a lot of mileage on my car in a year’s time.
I carpool.
My car has air bags.
My car is quipped with anti-lock brakes.
I have gone through extensive research and reading to produce this article on car buying and insurance savings. Use the information wisely.
I have daytime running lights.
I’m a student driver with good grades.
Since I have both auto and home coverage with you, do I qualify for a discount?
I’m a college student away from home…
I’ve been a long time customer…
My mom and dad use your company…
Do you offer any other discounts? Some companies offer reduced rates to drivers who get insurance through a group plan from their employers and other professional groups. It can’t hurt to ask.
Not every company will offer the same discounts. Compare the final prices the various companies offer you. It pays to shop around for your car insurance!
If I've missed any questions on car buying and car insurance savings, please let me know.
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