Shop around for the cheapest auto insurance
Car insurance rates vary widely from company to company, as much as $1000 difference or more a year — for the same coverage, same car, and same person.
The single best way to get the lowest car insurance rates is to request online rate quotes from multiple providers who are competing for your business. Using a broker site such as Esurance.com lets you fill out one form and automatically get multiple quotes.
Even if your current company had competitive rates a year ago, their rates may have changed. So it pays to shop around and get free quotes from a number of insurance companies. Even if you are happy with your insurance company, you should check for better rates at least once a year.
It costs you nothing to switch to a different car insurance company that better meets your needs. If you switch, be sure to ask for a refund of any prepayment from your current company. There is no penalty for switching companies.
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What car is ideal for teen drivers?
Ask a teenager what car they want and then ask their parents what car they prefer for their child. You can get some pretty different answers. However, you just might get some surprising agreements too.
We hear teens asking the same questions over and over again. “Which is the best car for me?”, “What car should I get?”, “What is the best car for a first-time buyer?”, and “Which car has the best reliability-safety-style-performance-gas mileage-cost?”
We will try to help answer those questions here in this article.
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Used Car Warranty. Do I Need It?
Most people have auto insurance — from an auto insurance company — to protect them from the cost of accident damage, theft, and liability resulting from at-fault accidents. However the kind of insurance that most people have doesn’t cover mechanical failures, wear-and-tear, electrical failures, or any damages not caused by an accident.
These kinds of problems are typically covered by new-car factory warranties — for a limited time or for a limited number of miles. Most new-car warranties expire in 36 or 48 months, and 36,000 or 48,000 miles. Powertrain warranties which cover certain engine and transmission failures are usually longer.
Why do car manufacturer’s not offer warranties longer than 3 or 4 years? Because that’s when problems are most likely to begin.
People who buy used cars with no remaining factory warranty, or a soon-to-expire factory warranty, should consider a kind of car repair insurance to protect them from the high costs of unexpected repairs. Don’t make the mistake of thinking that your conventional car insurance pays for non-accident related repairs.
Continue reading Car Repair Insurance – Do I Need It?