Money Saving Tips in Buying Your First Car
After years of working in California, you finally save up enough money to buy a car of your own. Many of America’s working class do not want to rely on public transportation, which is why they get their own automobiles, whether it is brand new or 2nd hand. Some of the working class even used their automobile for business as a service vehicle or for delivering goods.
Many of America’s working class do not want to rely on public transportation,
which is why they get their own automobiles, whether it is brand new or 2nd hand. Some of the working class even used their automobile for business as a service vehicle or for delivering goods. After years of working in California, you finally save up enough money to buy a car of your own. Now you don’t know what car to buy yet but you want to secure your first car by buying auto insurance. Good choice, now you want to have a low rate which you can afford. Well, I can help you with that.
The rate depends on what type of car you have, for example the standard rate on a '65 Mustang could hit $800 per year, but that 800 dollar rate does not apply to a ’74 Camaro. You see agencies rate your car from 1 to 27 the higher the rating the higher is your premium. So if you are thinking about buying an expensive car, be sure to expect to have a hefty price tag for your premium.
Now about safety, large pick-up trucks and SUVS are cool, but these vehicles have a high center of gravity which makes them prone to rollover accidents. Chances are you will pay a lot for a Total loss or the cost of repairing insured cars when it exceeds its actual cash value, if you have a high risk car. Consider buying a car that has the best crash test results. Here is a money saving tip in acquiring a car and have a lower rate. Buy a car that can use various brands of car parts, having a car which uses a specific car part brand will have a high premium. Common and used vehicle types are easier to repair because replacement parts are easier to find, and it is more affordable to insure than elite brands of cars. Keep mind that expensive cars needs expensive parts.
After choosing and buying your car, now is the time to surf the internet and get free auto insurance quotes California. The state has a wide range of insurers that offer affordable policies so this will be no problem.
Here are money saving tips you can do to lower your rates. Ok, you plan to upgrade your car, if you plan to buy portable TV with DVD player and audio system, go ahead but beware portable dvd players, Ipod for automobiles and other personal equipments are not covered by auto insurance, in the event they got stolen. So think twice before pimping and upgrading your car.
Be loyal to your insurer, if you are satisfied with their service, stick with them, buy you other policies from them. Why? Bulk buying of insurance and loyalty often has discounts depending on the agency.
There are many ways to save money in auto insurance, from finding the best package to lowering your rate by adding deductibles to having a good driver record. Saving money from it could start from wisely choosing the car you will buy, especially nowadays when one has to be practical in buying things. In choosing the car you will buy and get a policy for, choose wisely and think of long term benefits. If you are choosing between 2 to 3 types of cars, better compare the rate of each car. Log online and ask for free auto insurance quotes California. Comparing rates of the types of car you are choosing from, can give you an idea which coverage will benefit you the most in the long run.
