Car insurance is mandatory for drivers that want to legally use their vehicles on the roads of the US. The model of the vehicle can significantly affect the price of insurance. For this reason, policyholders should think twice before purchasing a new car.
When buying a new car, drivers should follow the next tips:
- Know the car's details. In order to get a quote, drivers should know the basic details of their new vehicles. The most important details are the brand of the vehicle, the model, year of production, and some other similar details. The insurers will also be interested in the type of vehicle the driver has purchased. When getting a quote, drivers should specify if their cars are SUVs, sedans, sports cars, or regular family vans.
- Drivers should research if the vehicle has known problems. There are cases where known models have manufacturing errors. These cars are usually recalled by their manufacturers in order to be repaired and inspected. Models known for having engine problems, break problems, mechanical or electrical problems will always be a concern for insurers that will charge extra on car insurance if the policyholder owns one of these models.
- Drivers who plan to buy a used car should question the dealer about past technical problems. For many, buying a used vehicle can save a lot of money. But before doing that, drivers should request the vehicle's technical records. To avoid paying more on their insurance, drivers should be careful and avoid purchasing a used car that was repaired too many times and for the same technical problems.
- Research the background of the dealer. Before buying car insurance, drivers should research from whom they bought their vehicles. Insurance companies have a blacklist with dealers that are known for providing faulty vehicles and even stolen cars.
- Check if the purchased vehicle is considered safe or not. Various organizations are testing the vehicles in order to see how safe they are before they are released to the public. The most known organizations for providing safety ratings, are NHTSA, Euro NCAP, IIHS.
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