Friday, June 12th, 2009
It’s worth remembering that when you purchase your new car, it’s likely to be the second largest investment you will ever make after a house. Making a decision about the right car for you will obviously depend on a number of factors, but an important one to take into account is how the vehicle you drive will affect car insurance quotes.
Here are some tips on how to make the right choices in order to keep quotes reasonably priced.
Model
Car insurance quotes reflect the model of car you choose. If you insist of a sporty racing model with a large engine you are going to be hit with a higher insurance premium than a more standard model variant. Take the time to really assess your motor vehicle needs. If you are only going to use the car to go shopping twice a week, then you can probably afford to go for a much lower specification motor. Not only are basic models cheaper to buy, they also receive much lower car insurance quotes as the spare parts are easier to source than special models.
The trick is to avoid elevating yourself into an elite category of specialist motor vehicles which attract much higher premiums on car insurance quotes. Opting for things such as a smaller engine or a hard top instead of soft-top convertible can help reduce your insurance costs.
Anti-theft devices
When looking to purchase a vehicle, it’s a good idea to invest in one that has sound anti-theft devices fitted. Obviously car insurers are looking for a car which is not going to attract the attention of thieves, and an industry recognised anti-theft device will not only dissuade burglars but make insurers happier and is more likely to reduce car insurance quotes that they offer you.
Mileage
Cars that have done less mileage attract cheaper quotes. Quotes are cheaper because cars with fewer miles on the clock are less likely to fail and need expensive parts replacing. Where possible, it’s a good idea to buy a car which has done relatively few miles. As an added tip, you can reduce car insurance quotes significantly if you are only going to travel a short distance annually. The fewer miles you drive in a year, the cheaper your car insurance quote will be.
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Friday, June 12th, 2009
Buying a new car is not a simple task. Before purchasing a new vehicle, you must consider a lot of factors such as cost, insurance, interest on loans, and so on. You must also visit several showrooms in your area and check different websites sites on the Internet. Getting hold of and comparing several price quotations from different sources will definitely help you discover the best deal.
Research on new cars include reading published articles from auto magazines or car websites regarding new car models, features, prices and reviews. You should look for ads in print and online. You should visit several car showrooms and negotiate with different dealers. You may also want to enlist assistance from a car-buying service or broker-buying service to obtain many price quotations. When agreeing on a price, car dealers may be willing to negotiate on their profit margin.
With the technology of the Internet, many of those interested to buy a new car are also researching online. Surfing the Net, you do not have to leave your home or office to swing from different showrooms and deal with very persistent dealers face-to-face. The Internet also offers windows for more information. It posts not just reviews from car experts but from regular car users as well. What’s more, online car sellers sometimes even offer lower prices.
New car quotes can be obtained online following very simply steps. You just visit a site, or better yet, visit several sites, and ask for a quotation on the vehicle you are eyeing. You just have to choose the car type (convertibles, passenger sedans, sports utility vehicles, sports car, luxury cars, compacts, vans minivans, pickup trucks, wagon, etc.), make (Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Ford, Honda, Hummer, Hyundai, Isuzu, Jaguar, Jeep, Kia, Land Rover, Lexus, Mazda, Mercedes Benz, Mercury, Mini, Mitsubishi, Nissan, Pontiac, Porsche, Saturn, Scion, Subaru, Suzuki, Toyota, Volkswagen, Volvo, etc.), model and year made. You can also ask for quotations depending on your mode of payment (cash or loan). Some services even compute how much you have to pay monthly depending on how big or small your down payment is. The quotation is then given right then or sent via email in as fast as a few minutes.
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