25 Incredibly Easy Tips to Find Cheap Car Insurance
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Reliability is a key factor, as it speaks to potential costs and inconvenience. Balance the different perspectives against your preferences, and use the feedback to highlight aspects that warrant closer attention. For instance, complaints about the seat comfort or ride quality can be evaluated on a test drive.
Your opinions may differ from those held by others. And ultimately, it is you who will live with the car. Inspect and test-drive New cars are presumed to be consistent performers. For example, each new Honda Civic is expected to drive like any other. However, with a used car, every example has led a different life. Some may have been pampered, others abused, potentially by a teenager just like you!
When shopping used, try to bring a car-savvy adult along. Carefully look the car over inside and out, top to bottom. New or used, always inspect during daylight hours when paint flaws that may indicate repairs or other troubles can be readily spotted. For used cars, the real trick is having the car inspected by a professional mechanic.
How to Buy Your First Car
They will usually charge for the service, but it can be money very well spent. When negotiating a car purchase, it is essential to have an experienced adult to assist. A professional car salesperson knows all sorts of ways to push people into buying just about anything for the highest possible price.
That is, after all, their job. Most car shoppers are outmatched during that phase of car buying. Think of how competitive your grandparents are with video games, and you get the idea. Research online what the current wholesale price is for the car based on its condition, mileage, and location—that is your target.
Closer the better, and bonus points are awarded for getting an even better deal. Chances are, they bought the car for much less, taking it as a trade-in or picking it up at a wholesale auction. If financing, pre-arrange a loan so that you know what the interest rate and loan term will be. If the dealership can beat what you arranged for yourself, great. You can use an online calculator to figure out what your payments would be, based on the expected purchase price and down payment.
The salesperson will probably focus on monthly payments, as that enables them to sneak in added profit by stretching out the term of the loan.
When comparing one loan deal with another, add up the total of all the monthly payments. Because you did your homework, you can focus on the total amount, rather than just the monthly payments.
Negotiate one element of the deal at a time, establishing the purchase price, then moving on to discussing financing, if interested. Every year, something like 40 million used cars change hands. Rest assured, there are plenty of other cars out there from which to choose.
Getting a good deal on the right car can take a lot of patience and persistence but the reward—freedom and mobility—is worth the effort. Must-have safety features Whether buying new or used, these are the features you want: Antilock brake system ABS: Readily available, antilock brakes prevent the wheels from stopping completely during hard braking. Because the wheels do not lock up, even during emergency braking on slippery surfaces, they enable the driver to retain steering control.
Electronic stability control ESC: This feature prevents a car from sliding sideways, such as when going through a turn a bit too fast for the conditions.
For vehicles that are put in storage for any amount of time, storage insurance is your best option for cheap car insurance. Are You an Aggressive Driver? Note that this type of insurance is not legal for driving on, though it will pay out in the event your vehicle is damaged during storage.
Depending on the exact make and model of the car in question, and depending on the type of damage that has been done, repairing the vehicle without insurance may end up costing you thousands of dollars in out-of-pocket expenses. Improve and Fix your Credit Score Your credit score affects many different things in your life, not the least of which is your auto insurance rates.
Keep your credit score clean by paying bills on time, paying back loans on time, and avoiding maxing out your credit cards. Bounced checks and bank overdrafts can also hurt your credit score, not to mention your pocketbook as well. Clean Your Driving Record Maintaining a clean driving record is the key to getting dirt cheap car insurance from your agent.
Vehicle Safety Issues The safety of your vehicle will also be taken into consideration by your agent when you are trying to get cheap car insurance. The technology and features seen in newer vehicles make them far safer than older vehicles, so you can get a start on lowering your premiums either by having updated safety features professionally installed into an outdated vehicle, or simply by purchasing a more recent car.
10 secret ways to slash the cost of your car cover
Things to look for when taking vehicle safety into mind include automatic seatbelts, as this feature almost guarantees that both the driver and passenger will be wearing their belts at all time, and both driver-side and passenger-side airbags. Airbags in the rear seats of the vehicle can also help to improve the safety rating of your car, thereby lowering your monthly car insurance rates in the process.
Get a Security Device Exactly where you park your car at night is a big factor when calculating your auto insurance premiums, but having advanced vehicle security may also be factored in.
If your vehicle is already equipped with a modern, functioning alarm system, mention it to your agent; you may be able to get a reduced premium because of it. Park Off-Street, or Even in a Garage While vandalism is more obvious in certain parts of the country, there is no doubt that the trend is on the rise throughout the entire country.
They are the easiest targets to hit, and many drivers have trouble finding cheap car insurance because of it. If your car is parked in a private garage on your property, however, you are likely to see a sharp decrease in your auto insurance coverage. This is not to say that a garage is a foolproof method of protecting your vehicle or your property, but it can help deter thieves. Even a simple carport may help lower your insurance rates; it never hurts to ask.
Verify Accuracy on Your Policy It never hurts to browse through your insurance policy to make sure everything is correct. Make sure you are being given the right amount of coverage and paying the right price for your premiums.
If you want cheap car insurance, it is crucial that you take your time and double-check all of your information. If you find any kind of errors, make sure to report these to your insurance agent as soon as possible, preferably immediately. Some of the most common errors include birth date and marital status errors, but these two mistakes are also amongst the most costly. Be certain that this information is accurate in order to receive the absolute best car insurance rates from your insurer.
Retirement Discounts Depending on the exact area in which you reside, retirement typically comes at 55 or 65 years of age.
Certain insurance agents offer discounts to retired drivers, and this is done for a variety of reasons. Firstly, retired drivers usually spend less time on the road than most other drivers.
Without a daily commute to and from work, retirees typically put far less mileage on their vehicles than drivers who have to drive to work and home each day. Affiliate Discounts Nearly every car insurance company offers different discounts based on your personal group affiliation.
Like with most other discounts, this one is not usually advertised by your insurance agent. Never be afraid to mention the groups you are a part of and ask your agent if there any discounts available for you. The most common group affiliations cited to receive discounts on their auto insurance include your work, college or university, military organizations, and many more. Take An Advance Driving Course Driving classes are offered by a variety of organizations, both public and private.
If there are any types of driving classes available through your insurance agent, you may want to consider attending and completing them in order to find cheap car insurance through an existing insurer. Be aware that if you take a class and fail, however, you may end up with an increased insurance rate instead.