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How to Get the Best Rates on Car Insurance

Vehicle insurance - a cost we all must bear if we want to drive. But you might be surprised at how varied the rates for car insurance can be in your area. Definitely shop around for your car insurance. Don’t just go with the first agent you speak with. Now, thanks to the internet, you can shop around right from the comfort of home. Go ahead and get at least three price quotes from different kinds of insurance companies. If you’re in the market for a new car, call to see how much it will cost to insure in the first place. Having a car alarm and other anti-theft devices can help lower your costs. Always ask about discounts. Don’t be shy. Companies expect this! For example, try asking: What’s my cost if I have a $500 deductible? (Increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by as much as 30 percent.) How about a $1,000 deductible? Going to a $1,000 deductible can save you 40 percent or more. (Now if you don’t keep at least this much in the bank, don’t choose this option!) If your car is worth less than 10 times the annual insurance premium, purchasing extra coverage may not be cost effective. That’s one great thing about owning an old car! Here are some things to mention to your insurance agent to try to find those extra discounts: - My credit rating is excellent. I always pay my bills on time. - What if we insure more than 1 car with your company? - I haven’t had an accident in more than three years… - I haven’t had a traffic ticket in three years… - I’ve taken a driver’s training course. - My car has an anti-theft device. - I don’t put a lot of mileage on my car in a year’s time. - I carpool. - My car has air bags. - My car is quipped with anti-lock brakes. - I have daytime running lights. - I’m a student driver with good grades. - Since I have both auto and home coverage with you, do I qualify for a discount? - I’m a college student away from home… - I’ve been a long time customer… - My mom and dad use your company… Do you offer any other discounts? Some companies offer reduced rates to drivers who get insurance through a group plan from their employers and other professional groups. It can’t hurt to ask. Not every company will offer the same discounts. Compare the final prices the various companies offer you. It pays to shop around for your car insurance!


When Should You Buy Additional Warranty Coverage?

Whether your car is brand new and just rolling off the lot, or pre-owned, you've probably been offered an extended warranty on it, or have heard about the benefits of extended warranties, and wonder if you really need one. The fact is that if you have a brand spanking new car, it already comes with a warranty. But, unless you plan to trade that car in, or sell it to someone else before the warranty runs out, you may very well want to have an extended warranty on it. If you're buying a pre-owned car, or if the car warranty is ready to run out on your car, you will also want to give strong consideration to purchasing an extended warranty. Even if you have a car that you’re planning to sell outright, if it has an extended auto warranty on it, that's added value and a great selling point you can use. What exactly is an extended car warranty? Basically, it's a warranty that starts when the warranty that came with the new car ends. In the case of used cars, some used car dealers offer a warranty that will last anywhere from one month to a year or more. An extended warranty can pick up where that warranty leaves off. For anyone who is planning to drive a car beyond the extent of the warranty it came with when it was bought, an extended warranty can be a lifesaver. Consider this: An extended warranty may cost you anywhere from a couple of hundred to several hundred dollars. Sounds like a lot of money, right? But after your car hits a certain mileage mark, say anywhere from 80,000 miles and up, maybe even earlier, the things that can go wrong could cost anywhere from several hundred to thousands of dollars to repair. In this case, an extended warranty would pay for itself immediately. An extended auto warranty can be very valuable. One thing to keep in mind about extended car warranties is that they aren't all the same. You want to do your research and get one that is going to really benefit you when you need it. Some warranties cover some repairs, but not other types of repairs. Some are very comprehensive and cover just about everything under the sun. Depending on the type of car you're buying the warranty for, you'll be able to choose one that makes sense for you. Some models of car are notorious for having transmissions that go bad, and some typically have engine problems after a while. Buy an extended warranty that covers what you need it to cover. Should you buy and extended car warranty? The answer depends on your needs, but for many, extended car warranties are worth every penny. If you're planning to keep your car after the original warranty runs out, it's a great idea to get an extended warranty, and often you'll find that the warranty pays for itself with just one needed repair.


Striking the Best Deal When Buying a New Car

The cost of a new car nowadays equals about what our parents paid for their first home. It's not a purchase to be taken lightly. You want to do everything possible to ensure you get a great deal. Never rush your decision. If you are completely without transportation, rent a vehicle until you find the right car. When you rush a purchase, you usually end up on the losing end of the deal. Thanks to the Internet, you can uncover the typical retail cost of a specific make and model. With a little digging, you can find out the wholesale cost as well. This information makes you a powerful negotiator. You want a win-win situation with the car dealership. They need to make some profit, and you need to feel you paid a fair price. It's fair to negotiate to a price that's $500 above dealer cost or about 20% off the sticker price. So take along your calculator when you shop. If the only cars on the lot have expensive options you don't care for, you might want to order a car to your specifications. You might wait a bit, but will save money on options you don't need. Check with the dealership to see if you can return the car if you don't like it. I did this once. The car I purchased ended up less comfortable than my old car, so the next morning I took it back for my check and my trade-in. Many dealerships now offer this option. You may have heard the advice to shop the last day of the month for better deals. It's true that you might get a better deal from a salesman then. As far as trade-ins go, do your research here, too. Knowing the value of your old car makes it easier to negotiate a better price for it. Try not to talk about a trade-in possibility until you get a purchase price. You may want to advertise your older car and sell it privately. Typically you can get a better price this way, but it may take a little time. A service contract will likely be brought into the negotiation. The consumer information I've read discourages buying an extra contract on a new car, as it's not likely a problem will occur during the first months of use. Whatever you do, always read the fine print of any contract before signing it. Don’t be afraid to ask a bazillion questions about what certain phrases mean if you don’t understand something. Simply because the car just rolled off the factory line doesn’t mean you should buy it without asking questions. Keep on your toes during the negotiation process. There’s nothing like the thrill of getting a new car AND creating a win-win situation for you and the dealer.


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