Have you recently purchased a new car or thinking about it? Or maybe your finally ready to shop rates and find new car insurance? Either option, QuoteAgents can help.
A prompt to search for new car insurance usually occurs when you buy that new vehicle you have been saving up for and realize the car insurance you have now is not sufficient with your lenders requirements. Your first intention is to call your local insurance agent or company. They usually have the best rates and know all the answers, right? While that statement may be true in many scenarios, you will never know until you investigate for yourself.
All insurance companies determine their own rates and file with the division of insurance accordingly. While one company may be less expensive and affordable, you often wonder why others are more expensive, for the exact same car. There’s no specific company that has the best rates for new cars. Each company has variables, many variables that go into the determination of an insurance premium. These variables include: coverage, vehicle type, motor vehicle report, location, credit, home insurance, and many other factors. With that said, you cannot rely on your current insurance company to tell you that your paying the lowest price. You may be paying the lowest price with them, based on many factors, but that’s usually not the story when you shop around. “Well I’ll ask my best friend, he said he has a great insurance company”. That statement may be true for him, but not exactly for you. Chances are, your driving history, credit history and vehicle’s are not the exact same. What works for another, may not work for you, especially with insurance.
It’s also best to make sure your aware of vehicle specifications that can raise the insurance premium. Vehicles that are considered sports cars such as: Ford Mustang, Chevy Camaro, Mazda MX-6, Porsche 911 Turbo and others are just a few that will cost you more. Details such driver and passenger side air bags, and vehicle style such as SUV, Sedan or Coupe make a difference. There’s also no need to try and fool the insurance company with tidy details, the vehicle VIN number tells the whole story.