Can you get an insurance quote before buying a car?
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UPDATED: Sep 23, 2021
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- Getting an insurance estimate before buying a car will help you know what you can afford
- The type of car you purchase affects how much your insurance premium will be
- Before getting an insurance quote, evaluate your coverage needs
- Multiple online quotes will give you an idea of how much your insurance will cost
The process of buying a car can be expensive, especially if you are buying a brand new car. Then you have to factor in all the other expenses, including insurance. The last thing that you want is to roll off the lot with your brand new car, only to get into an accident and not have it protected in any way.
Some cars cost more to insure for a variety of different reasons. If you are interested in buying a certain car but want to know how much it will cost to insure, you may be able to get an estimate from your insurance company. Find out how to get an insurance quote before buying a car, whether that means getting online quotes or speaking directly with an insurer.
Get a free quote comparison today! Enter you zip code here and see how much you could save.
Why do some cars cost more than others to insure?
Do you often see sports cars speeding down the road? These expensive vehicles often attract those who feel the need for speed. The insurer of these vehicles and subsequently their owners will feel that these drivers have a higher risk of an accident. Since this often leads to injury and damages, that means there is more of a chance that a claim will be filed with these types of cars.
Auto insurance companies consider repair costs too. Some cars have parts that are very expensive to repair or replace.
As the topics of conserving energy and eliminating pollution gain more awareness, people are looking for green alternatives, which is why hybrid vehicles are becoming increasingly popular.
But what many people don’t know is that there is a lot of technology behind the parts. Hybrid repairs can be much more expensive than their conventional counterparts.
The likeliness of theft plays a role in car insurance premiums as well.
According to the Insurance Information Institute, a vehicle is stolen every 46 seconds in the United States. There are specific makes and models of vehicles that are targeted more than others, and it’s not just expensive cars.
The National Insurance Crime Bureau puts out a list each year of the top 10 most stolen cars. Here is the list for 2015:
- 1996 Honda Accord
- 1998 Honda Civic
- 2006 Ford Pickup
- 2004 Chevrolet Pickup
- 2014 Toyota Camry
- 2001 Dodge Pickup
- 2014 Toyota Corolla
- 2015 Nissan Altima
- 2002 Dodge Caravan
- 2008 Chevrolet Impala
Just because you buy one of these cars does not mean that it’s going to be stolen, but what it could mean is you will get a higher premium due to a higher risk of theft.
Doing your research on what cars are more likely to be stolen will help you know what cars to avoid if you are looking for a lower premium. If you have the type of coverage that covers everything – damage, theft, medical bills – you have less to worry about. But not everyone understands that there are various types of coverage. It is important to note that the above list is updated on a yearly basis. That way you can base your coverage type on what you need, in case you can’t afford a higher premium.
Another factor that plays a part in your premium is how old your car is.
A newer vehicle usually has more safety features and is less likely to break down, whereas an older car has the tendency to break down, not to mention, the parts are harder to get and can be more expensive to purchase.
Some older cars are considered collectibles, and even though they are old, they are worth a lot. This makes them a greater liability to the insurance company.
As you think about the car you want in the future, keep these premium determining factors in mind. Making the right choice may mean a lower premium for you and accommodate your financial needs.
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How can I get an insurance quote before buying a car?
So you’ve gone out to the car lot, looked around, and found the perfect car that you want to make yours. All that there’s left to do is sign the papers and be on your way, right?
Even the savviest of shoppers often forget that it’s important to check out car insurance first. Since there can be a significant difference between the lowest and highest insurance rate (sometimes hundreds of dollars) you probably want to find out what kind of payment you will be looking at.
First, you need to determine what kind and how much coverage you actually need. There are also minimum state requirements (these requirements vary from state to state) for liability insurance that you will want to heed as well. If you don’t purchase the minimum coverage, you could be held liable in case of an accident.
An easy way to calculate how much liability insurance you need is to add up all your assets and choose a limit that is close to the total of your assets.
If the car you are looking at is brand new, be sure to include collision and comprehensive coverage. If it’s a 1992 Chevrolet Cavalier, you probably don’t need it.
Once you determine what kind of coverage you need, get multiple online quotes. It’s definitely worth it to compare different companies.
By comparing the three lowest quotes, you should have a good estimate of what your coverage options will cost for the car you want.
How do I go about purchasing affordable insurance for my new car?
When you are finally ready to purchase insurance, continue shopping around for affordable rates. You also want to find a company that is respected and has a reputation for good customer service. There’s nothing worse than dealing with people who don’t know how to help you or worse, don’t want to help you.
Find companies that offer competitive rates; chances are they understand the importance of a budget. Plus, don’t be afraid to tell your provider to look at your accident history; if it’s nonexistent they may reward you for that fact. Look for insurance companies that offer discounts. Almost all insurance companies offer discounts for something or other. Here are some common car insurance discounts:
- Military discount
- Safe driver discount
- Low mileage discount
- Association discount
- Senior discount
- Driver’s Ed discount
- Safety feature discount
- Low-risk occupation discount
- Automatic withdrawal discount
Getting an insurance quote ahead of time will give you a good idea of how your car payment combined with your insurance premium will factor into your financial state. Try not to just look at the cheapest option, either. Even if you have a clean record and feel that you’d never let anything happen to your car, sometimes things do happen. That’s why they’re called accidents, and why it’s important to have an auto policy in place that will protect you and your car.
It’s better to know what to expect ahead of time than to be totally blindsided after you’ve made a decision. Having affordable coverage doesn’t mean you have to sacrifice your safety. It just means you’ll have to get in touch with your provider and figure out what you can afford and if there’s anything you can do to lower your average rate. It’s best to over-prepare in cases where you could face financial hardships.