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- More to the sticker price than
meets the eye!
Buying a new car can be a very exciting and overwhelming experience.
Sorting through options, makes, models and features is enough to make
your head spin. Not to mention the financing and car insurance costs.
However, being prepared before you shop can help make the buying process
quicker and easier for you! Identifying the ideal car for you.
Before heading out to the car dealership, make a list of what you are
looking for in a new car. As you are writing the list, think about the
same concerns a car insurance company would consider when quoting you a
rate, such as:
• How do you use your car?
• How many passengers do you typically carry?
• How often do you drive your car?
• Where do you drive?
These factors will help you pinpoint the best car for you, while also
helping to potentially keep your car insurance premium down.
Features to consider before you buy.
Make a list of all the features and options that are important to you,
such as head and leg room, transmission type, engine, trunk size,
airbags, security system, anti-lock brakes and other safety features.
Car insurance companies often give discounts for some of these items;
saving you significant money on your overall quote.
Also, check out auto manufacture's websites. Many have special pages
that let you "shop" for your dream car - giving you the opportunity to
select the features that are important to you, while also providing you
with the true cost of these "extra perks."
The cost.
Before you buy you should always factor in all costs involved with
buying a new car, including sticker price, gas, maintenance, financing
rates, taxes and car insurance.
How much you pay for your car has a powerful effect on your car
insurance premium. A luxury car with all the latest safety features will
typically cost more to insure than a no-frill economy car, due in part,
because the higher-priced car may be more expensive to repair or is more
likely to be stolen.
Do your research!
Not only do you need to look at what your new car has to offer, you also
need to do some background research as well.
Car insurance premiums are based partly on the price of the vehicle,
which affects the replacement cost if it is stolen or "totaled" in an
accident. How expensive the vehicle is to repair - including parts and
labor - can also impact your insurance rate. In addition, surcharges may
apply to vehicles that are frequently stolen or involved in accidents.
To find out if that next dream car might be more than you bargained for,
visit Highway Loss Data Institute's website. Here you will find
industry-wide information on injury claims, collision repair costs and
theft rates by vehicle model.
Comparison shop before you buy.
Before you make your final decision, visit universalinsur.com to find
the best car insurance rate. There, you'll be able to compare car
insurance rates from up to 12 insurance providers, helping you save time
and money on your auto insurance.
Presently, universalinsur.com offers consumers comparative car insurance
quotes in Illinois and Indiana .
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