When purchasing a new car and shopping for car insurance, it is unwise to purchase car insurance from a car dealership. For the most part purchasing a new car is an emotional decision. Purchasing car insurance is a logical decision. When making the decision to go from an old car to a new car can result in higher insurance premiums, but in many scenarios purchasing a new car can result in lower insurance rates. Getting the best insurance rates on your new car can be easy if you talk to the right people.
First of all, talk to someone who can give you several different rates. The discounts offered by different companies can be confusing. Many times, when a person goes from and old car with full coverage insurance to a newer car with full coverage insurance, car insurance companies will give you discounts on your auto insurance due to the safety features of your newer car. This varies based on your insurance company. So in this case, it would help for you to shop your car insurance online in order to get the best rates.
With today’s technology, shopping for insurance on the internet is easier than ever. Once you get your rate online, an agent can call you with the lowest rates on your car insurance. At the same time, with your permission, the agent can verify your driving record and claims history. Having a clean claims history and good driving record can earn you many discounts and benefits including, accident forgiveness, claims free, and safe driver discounts depending on the company.
Many times, people shop without looking at their entire insurance package. Insurance companies give better rates based on the number of cars and policies you insure with them. For insuring more than one car, you get multiple car discounts. For combining your home, boats, or recreational vehicles, insurance companies will give you multiple policy discounts. In many cases, having more than one policy could save you more than 30% on your monthly insurance premium (price).
Ultimately, saving money on insurance will come down to how well you do your homework. By talking to the right agent and by consulting with your friends and family, you can save tons of money when shopping for car insurance. For an auto insurance quote, contact me today.