Buying a new vehicle can be an exciting time. However, you should consider that there is more to the cost of a car than the simple sticker price at the car lot. Here are a few insurance questions to consider when buying a new vehicle.
How Will Insurance Rates on This Vehicle Compare to My Old Rates?
Do not assume that your insurance will stay the same vehicle to vehicle. Insurance rates are based on several factors. One important factor will be how new the vehicle is. Generally newer vehicles will have higher insurance premiums than older vehicles. Another thing you should consider is how different in make and model is this vehicle from your last vehicle. Different types of vehicles will fall under different insurance categories. Doing this research before purchasing your vehicle will help alleviate any shock value that might arise when you apply for insurance for your new car.
Insurance Must Not Lapse
In many states, there are laws in place which require that insurance be placed immediately on a vehicle before it can be purchased. This can be a huge inconvenience if you are not aware of this before visiting a car dealership. Be in contact with your insurance company prior to vehicle shopping, so that you can set up a seamless insurance transferral if you are trading in a vehicle.
What Is the Grand Total?
The real price of your new vehicle will be your car payment plus insurance. If you are operating on a budget you will want to evaluate how much this grand total may be, before signing any paper work to purchase your vehicle. Speak with an insurance representative and discuss insurance rates for the types of vehicles you are considering before visiting the dealership. This way you will have a better idea of what your grand total will be for your new vehicle.
If you would like to learn more about placing insurance on a new car call one of our helpful insurance reps at North Georgia Insurance Center serving Commerce, GA.
Many different factors have an impact on auto insurance premiums in Commerce, GA. Some of them pertain to the vehicle, such as its value and safety ratings. Other considerations involve the driver’s personal attributes. They include driving history, gender, credit score, and marital status. Another important factor is age.
People generally pay the highest car insurance rates at ages up to 24. Young motorists typically cause more traffic accidents than any other major segment of the population. This is especially true for male drivers. Single men might face higher premiums until they turn 26 or 29 years old.
Married men and young women may only pay increased rates at ages under 22 or 25. Premiums frequently drop each year during a person’s late teens and early-to-mid 20s. Costs also vary depending on whether a driver owns the vehicle or not. Seniors tend to cause more crashes statistically. Some insurance providers expect these motorists to pay higher rates, but they normally don’t spend as much as young people. However, an elderly person with a poor driving record might pay more. Seniors can sometimes qualify for premium reductions if they’re retired and don’t drive very often.
When you need affordable yet reliable auto coverage at any age, turn to the North Georgia Insurance Center. Bobby Brown founded NGIC over three decades ago. This independent Commerce, GA agency helps motorists find top insurers with great rates. Please dial 706-335-2433 to reach the North Georgia Insurance Center and learn more today.
Your car breaking down can be frustrating and scary in the middle of town. If it happens in the middle of nowhere on the side of the road, it can get downright dangerous. At the North Georgia Insurance Center in Commerce, GA, they know how scary it can be. Read on below for a few of the top tips to help you stay safe if your car breaks down..
Move to Safety
If at all possible, try to move your car to safety off of the road. Don’t get out of the car until you have moved the car to an out of the way spot if you can.
Turn on Your Hazard Lights
Once you have moved your car to safety, activate your hazard lights so that people who are coming along the road can easily see you, especially if you have broken down at night.
Call for Help
You need to look around and see if you can pinpoint your location. Luckily, in today’s modern world it’s easier to pinpoint your location for people coming to help you via GPS. If you don’t have this modern technology, try to tell the tow truck driver exactly where you are, if possible.
Stay with Your Car
Never leave your car and get into a car with a stranger. Even if it’s the tow truck driver. In today’s world, it’s best not to trust anyone you don’t know. Call someone you know or call a police officer to come and get you. It’s best to be safe, instead of sorry.
For more information, contact the North Georgia Insurance Center in Commerce, GA today. Your safety is our number one concern!