You may have done all the research online about features, options and pricing for your next new car, but unless you enlist the help of your car insurance agent, you might not be making the best possible purchase decision. Before you get financed and sign on the dotted line, take some time to discuss your new car options with your agent. Here are three ways your insurance agent can help you make the best possible choice for your wallet and your peace of mind.
Some Cars Get Stolen More Often than Others
Your insurance agent and the insurance company's underwriters take into consideration how often each type of car is stolen when creating auto insurance quotes and pricing. If you purchase one of the more frequently stolen cars on the market, you'll likely pay more for your insurance. Your agent can help you look at your options and decide which car is the safer bet from an insurance standpoint.
Certain Cars Represent a Greater Risk for the Insurance Company
If you have been dreaming about speeding down the road in a sports car, prepare to pay higher insurance rates. Of course, it isn't just the sports car that gets higher insurance rates than other cars. Cars that have poor safety ratings tend to be more expensive to insure. This is why checking out a car's safety rating and available safety features can help you to keep your costs down. Your insurance agent will be able to help you to find the cars with the best ratings to keep your premiums lower.
Some Features Make Your Car More Affordable to Insure
As you compare different options packages, you'll want to pay close attention to some of the features included in each one. Your insurance agent can tell you which features can actually lower your car insurance rates. Anti-theft devices and optional safety equipment can help to keep your insurance costs lower. If you are going to let your teen drive your car, consider a vehicle that has parental controls for volume and speed that help to ensure the car will be driven safely, even when you aren't around. If your car doesn't come with any equipment that lowers your rates, you can still add the equipment later to get a discount on your policy. Be sure to talk to your agent before making any changes to your vehicle.
Your insurance agent, like those at Colling Insurance Services, Inc, is an objective third party in your quest for a new car. By asking questions about the most reasonable car to insure, you will be able to find a car that's affordable to insure and that has the safety ratings and reliability you want from a new car purchase.Share