Cut New Car Insurance And Other Costs
One way to avoid sticker shock or buyer’s remorse when purchasing a new car is to consider all the additional expenses you may encounter down the road.
Experts say that while most people anticipate the purchase price, taxes, and registration fees associated with a vehicle, many forget that the car insurance they need to protect their vehicle may come with a hefty price tag. Fortunately, there are ways to keep your state or California car insurance costs down and obtain the type and amount of coverage a new car typically requires.
To help consumers control car costs—from sticker price to your state or California car insurance premiums — Direct Choice Insurance offers these tips:
- Decide ahead of time how much money you can spend and match this with type of vehicle best suits your needs.
- Research crash test and accident data. You view crash test videos and analysis from the Insurance Institute for Highway Safety online at Direct Choice Insurance .com
- Visit several dealerships and get firm quotes in writing. These quotes can help you negotiate your best deal.
- Shop around for financing. Rates vary between institutions.
Your State or California Car Insurance Costs
Before you buy the car of your choice, find out how much it will cost to insure. Talk to an independent car insurance agent—it may save you money. Unlike “captive” agents who represent only one company, independent car insurance agents and brokers offer products from many different state or California car insurance companies. This means more choices and more opportunities for you to find the best coverage and service at the right price.
Here are a few questions to ask an independent state or California car insurance agent or broker:
- Can I get any discounts for my car’s safety features? Your state or California car insurance premium is based on your driving record, on the car’s value, the cost to repair it, its overall safety record, and the likelihood of theft. Many insurers offer discounts for safety features that reduce the risk of injuries or theft.
- How does this state or California car insurance company handle claims? Price isn’t the only factor to consider. It’s a good idea to deal with a company that will be there for you when you need it around the clock.
- What kinds of state or California car insurance coverage do I need? Your specific needs will vary by the age of the car, your personal situation, and other factors according to the insurer's requirements.
Select a state or California car insurance agent or broker who takes the time to thoroughly answer your questions, and who can help you find the right combination of price, service, and coverage types that you need.
To find an independent California car insurance agent, visit www.Direct Choice Insurance .com
Did You Know?
Unlike “captive” auto insurance agents who represent only one company, independent state or California car insurance agents and brokers offer products from many different insurance companies. That means more opportunities to find the best coverage and service at the right price.