Insurance Tips For New Car Buyers in California
If you’re in the market for a new car, chances are you’ve probably heard more by now about anti-lock brakes and anti-skid stability control systems than you ever really wanted to know. It’s also a sure bet that you’ve been learning a great deal about gas mileage statistics, interior packages, and acceleration capabilities of the vehicle your interested in.
Certainly, it’s important to do as much research as possible when buying a new car. This is an essential part of making sure you buy the vehicle that best suits your specific performance needs, style requirements, and budget constraints.
However, it’s very easy to get caught up in the heady research process of buying a new car and neglect to think about one of the most important parts of the actual transaction—making sure you get proper insurance for your new car.
Keep in mind that before you ever drive off the dealer’s lot, you’ll be required to purchase your state’s legally required insurance for your vehicle. Car insurance is a MUST.
Liability Levels For a New Car
$15,000 for injury/death to one person
$30,000 for injury/death to more than one person
$5,000 for damage to property
Comprehensive and Collision Coverage For a New Car
It’s up to you to determine how much additional insurance you want to buy for your new car but we can help with that. Generally speaking, the more expensive your vehicle, the more insurance you’re going to want to purchase. And of course, a new car will always be retain more value than a similar model that’s several years old and is hence worth ensuring more heavily. Besides the price tag, you’ll want to take into account several other factors in determining how much insurance to buy:
Length of commute: The more you drive, the more likely an accident becomes.
Safety of your commute route: Do you regularly navigate vicious freeway traffic? You might consider purchasing more insurance.
Crime rate of your neighborhood and workplace: If you car is at high risk of theft, you should protect yourself.
Your own driving record: Are you accident prone? Then it makes sense to compensate for this risk as well.
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