You are about to buy a brand new car and it is time to shop around for both car and car insurance.
The daunting task of seeking out car insurance freaks car buyers out everywhere.
Many procrastinate because not all car brands get the ‘good’ insurance deals due to a lack of offerings when it comes to safety features.
What should you consider before you buy car insurance?
Try considering the car you are purchasing.
When you buy the right vehicle with the right safety features, insurance companies are amiable to work with!
Specifically, when seeking a new car, that will reap the benefits of safety features.
Consider safety feature options like Lane Change Assist, Rear Cross-Traffic Alert, Blindspot Detector, and Eyesight Technology.
These are just a few, but they are pretty exclusive to one particular car brand.
It seems like the sky is the limit when it comes to car insurance but what you don’t know can harm your decision-making process.
Believe it or not, there is one car brand out there that, “insurance companies can’t get enough of” because of the safety features offered!
Want to know more?
Get a little relief and use my hot tips for buying car insurance to lavishly live life out loud.
Hot Tips For Buying Car Insurance
As a Mom, I’ve recently been ‘schooled’ in car insurance.
We overpaid with ONE of the BIG Names out there, claiming best pricing.
B.S.
Shop.
Learn.
Share.
That’s what I am doing today, sharing hot tips for buying car insurance and how we solved the over-priced dilemma.
Car shopping is tough enough. It takes hours, days, and time to seek out the best vehicle to fit your lifestyle and budget.
Then you have to factor in the need for updating, changing, or seeking new car insurance.
Let’s be honest. Not many people enjoy the process of buying car insurance.
If you happen to be part of the group, you’re probably going to appreciate the following tips.
They’re meant to make the task as simple as possible… not to mention less frustrating.
Click here to help keep your FOB in good condition & find other helpful car accessories
New Car Safety Features and tips for Buying Car Insurance.
One particular brand is definitely safety-savvy and safety is built into both previously owned cars as well as all the new cars.
Safety is what makes this brand’s stories incredible!
Keep Your Time Behind the Wheel and Parked Safer
Have you ever heard of Subaru Eyesight Technology?
For those purchasing a 2019 Ascent, Crosstrek, Forester, Impreza, Legacy, Outback, and WRX front crash prevention just got easier!
Eyesight monitors your position on the roads and if you happen to stray from your lane, the vehicle will alert you!
Also, if there are things you might hit in front of you, the power of your engine is automatically reduced.
Thus, the impact will be far less substantial.
There’s also Blind Spot Detecting which is fabulous for merging onto the highway on and off-ramps as well as merging in different lanes!
My personal fave is SUBARU STARLINK® Safety and Security.
Whenever you need help, you’ve got it, especially during a collision, when the system sends first responders if the airbag deploys!
Also, the stolen vehicle recovery feature is pretty slick!
All of these keep your time behind the wheel and parked in a Subaru safer and it’s what an insurance company loves!
Learn How T0 Keep Your Handbag from being tossed on the front seat, or floor or spilling while You drive!
Used Is Not Always Best
As mentioned above, new technology is great.
In fact, it would be better to stack the money upfront in a vehicle that is newer rather than older.
Doing such, hopefully, will help you buy more safety features in order to keep you safer while you drive.
Older cars. 2017 and earlier, tend to have fewer features built-in, and safety is what you want behind the wheel.
Just something to consider!
Online Shopping Comparison Tools for Buying Car Insurance
Once you think that you have narrowed down your insurance company choice, use that policy and shop more.
Go online, list exactly the items and amount of coverage you LIKE on the policy you are almost ready to settle for.
Then, shop again.
You might be surprised at what you find.
Don’t forget to consider shopping at Sam’s Club, as well as Costco if you are a member.
Look Over Your Current Policy – Tips For Buying Car Insurance
It’s ALWAYS wise to look over your current policy, before deciding on a replacement.
Situations change from one year to the next.
So, this typically does two things. It alerts you to the coverage you may now need and coverage that’s no longer necessary.
The last thing you want to do is pay for something you don’t really have to.
Don’t tell one insurance company your current pricing, let them quote and provide you the information.
Search for Lesser-Known Discounts
Some car insurance discounts are quite common.
This includes both “good driver” and “customer loyalty” discounts. However, there are several other obscure discounts to consider, in the event your insurance company offers them.
They include a short commute discount, an annual renewal discount, a good student discount and farm-related use of car discounts.
Additionally, there are other discounts some don’t consider.
Don’t forget about AAA discounts, as well as military discounts.
You might assume most think about this, but in fact, they don’t.
Many tend to get engulfed in the car-buying process and insurance is the afterthought.
If you think about purchasing insurance before you car shop, you can get an idea of your new cost of insurance.
These discounts might apply to you, so consider those lesser-known discounts, it might be some more change in your pocket!
Carry a Huge Umbrella
When it comes to car insurance, a big umbrella is vital, even on the sunniest of days.
The easiest way to explain an umbrella policy is to refer to it as an “excess” policy.
When you exhaust your liability coverage this will provide needed coverage to protect you further!
In today’s world, $2 million in coverage is more or less the norm.
Are you carrying that on your policy?
Paying On Premium
Many insurance companies offer Auto Deduct for payments of insurance and often you will find companies that will offer a 5% incentive to hook right on up to your checking account.
Don’t forget to look at savings like on PLENTI cards to earn while you spend.
Otherwise, you are going to be paying more if you pay it in pieces.
We saved over $400 by paying the whole amount in ONE payment.
Tips For Buying Car Insurance Like This one: Don’t Buy a Vehicle In Your Teens Name
Buying a vehicle for your teen has the potential to raise your car insurance premium by as much as a whopping 58 percent.
Buy the car, and put it in your name, and place them on your insurance.
This is information I personally learned as well with a few teens under my roof.
Never insure the car in their name!
The reasoning behind this is simple.
Insurers automatically assume that teens will drive more when they have access to their own cars.
So, in turn, premiums skyrocket.
When You Have The Hot Tips
Hot Tips For Buying Car Insurance
Ideas and Tips for Shopping for and Ultimately Matching yourself and your family up with the right car insurance.
Don't overpay, shop, and read these tips!
Keep Your Time Behind the Wheel and Parked Safer
Have you ever heard of Subaru Eyesight Technology?
For those purchasing a 2019 Ascent, Crosstrek, Forester, Impreza, Legacy, Outback, and WRX front crash prevention just got easier!
Eyesight monitors your position on the roads and if you happen to stray from your lane, the vehicle will alert you!
Also, if there are things you might hit in front of you, the power of your engine is automatically reduced.
Online Shopping Comparison Tools for Buying Car Insurance
Once you think that you have narrowed down your insurance company choice, use that policy and shop more.
Go online, list exactly the items and amount of coverage you LIKE on the policy you are almost ready to settle for.
Then, shop again.
You might be surprised at what you find.
Look Over Your Current Policy
It's ALWAYS wise to look over your current policy, before deciding on a replacement.
Situations change from one year to the next.
So, this typically does two things. It alerts you to the coverage you may now need and coverage that's no longer necessary.
The last thing you want to do is pay for something you don't really have to.
Don't tell one insurance company your current pricing, let them quote and provide you the information.
Search for Lesser-Known Discounts
Some car insurance discounts are quite common.
This includes both "good driver" and "customer loyalty" discounts. However, there are several other obscure discounts to consider, in the event your insurance company offers them.
They include a short commute discount, an annual renewal discount, a good student discount and farm-related use of car discounts.
Additionally, there are other discounts some don't consider.
Don't forget about AAA discounts, as well as military discounts.
You might assume most think about this, but in fact, they don't.
Many tend to get engulfed in the car-buying process and insurance is the afterthought.
Don't Buy a Vehicle In Your Teens Name
Buying a vehicle for your teen has the potential to raise your car insurance premium by as much as a whopping 58 percent.
Buy the car, and put it in your name, and place them on your insurance.
This is information I personally learned as well with a few teens under my roof.
Never insure the car in their name!
The reasoning behind this is simple.
Insurers automatically assume that teens will drive more when they have access to their own cars.
So, in turn, premiums skyrocket.
Paying On Premium
Many insurance companies offer Auto Deduct for payments of insurance and often you will find companies that will offer a 5% incentive to hook right on up to your checking account.
Don't forget to look at savings like on PLENTI cards to earn while you spend.
Otherwise, you are going to be paying more if you pay it in pieces.
We saved over $400 by paying the whole amount in ONE payment.
Carry a Huge Umbrella Policy
The easiest way to explain an umbrella policy is to refer to it as an "excess" policy.
When you exhaust your liability coverage this will provide needed coverage to protect you further!
In today's world, $2 million in coverage is more or less the norm.
Are you carrying that on your policy?
Consider these tips when you head to purchase a car before you start shopping!
In the end, knowledge is power and that power can translate into money saved when you look into purchasing your new, or new to you car insurance.
Chances are, you’ll end up saving money on your policy.
Typically, the more knowledgeable you are, the more likely you’ll end up paying less.
When you have these hot tips for buying car insurance it sure makes it easier to lavishly live life out loud. ~Dana XO
