a_j_edwards2002


I have an older car w/ full coverage. I just bought a new one, and the dealer told me my current policy would cover my new car for a while til I could add it on. I’m looking for a new company to cover my new car, but I need to know; for how long will my old policy cover my new car while I’m shopping for a new one?

ryan@thesatellitetvguide.com


So you just purchased the car of your dreams, or you’re about to, and you want to get the best new car insurance at the best rate. Here’s how to do it.

New Car Insurance

When you buy a new car your loan company will require a certain amount of new car insurance to protect itself in case your car is damaged or stolen.

If you don’t get your own insurance, your loan company or dealer will get it for you and, believe me, it won’t be cheap. The last time I purchased a car the difference between my loan company’s insurance rate and the rate I got myself was more than $1,000.

So the first thing you need to do is go shopping for your own insurance and compare rates.

Comparing Rates

The easiest and fastest way to get cheap rates is to go to a car insurance comparison site (see links below). Here you can get multiple rate quotes from a number of car insurance companies so you can compare them and choose the best rate.

Once you’re on the site you’ll be asked to fill out a questionnaire so you can tailor your insurance to fit your specific needs. As you fill it out you’ll be able to view a list of discounts and include them in your auto insurance policy.

Here are some new car insurance discounts worth considering:

* Raising your deductible by a couple of hundred dollars can save you hundreds of dollars a year on your premium.

* Installing an auto alarm and ant-theft device can get you a good-sized discount.

* Dropping unnecessary coverage like medical and towing coverage if you already have them will save you money.

Comparing Companies

After you choose a car insurance company you want to make sure that company will give you good service, especially when it comes to paying your claims.

A good way to see how well a company treats its customers is to go to Epinions.com. Here you’ll find reviews of all the major insurance companies written by actual customers, plus testimonials on how they were treated and what their claims experiences were.

You can also go to your state’s insurance department website to see what claims have been filed against a particular company. If your state doesn’t provide this information, you can get it from the California Department of Insurance website - www.insurance.ca.gov.

Visit http://www.LowerRateQuotes.com or click on the following link to compare auto insurance rates from top-rated companies and get cheap new car insurance. You can get more car insurance tips by checking out their “Articles” section.

Mark Robinson


There are many items you can choose with car insurance such as liability only, comp and collision, roadside service, and much more. You can even choose the deductible or amount of the coverage you need for specific aspects of car insurance. When you look at a new car there are a few things to consider regarding insurance. First you need to make sure you have enough coverage on the policy to cover total destruction of the vehicle in order to have the insurance claim come through for you. However I have gotten ahead. Taking a step back let’s look at a few options in buying a new car.

When you purchase a new car you may have paid for it out right, leased it, or obtained a car loan. If you have leased the car or obtained a car loan you are required by the banks to have a certain amount of insurance and type of insurance. For the purposes of this article we are going to concentrate on what a bank will require of you when you have a loan or lease.

The car insurance you must have when the car has a loan or lease is liability, comprehensive, and collision insurance. This can run you a rather high premium as the comp and collision usually cost a bit more. The reason the banks require comp and collision is that they need to know the car is fully covered in case there is an accident. The banks in other words need to know they will still get the pay off on the loan even if the car is considered completely damaged. They also ask that you have a certain amount of coverage regarding medical, uninsured motorist and other aspects of the full car insurance coverage. When you have comp and collision you are usually covered for animal damage, fire, and other destruction.

Luckily you are not required to have roadside service or a rental car replacement if the car does go into the garage for work. When you have a new car or a newer car it really is important to make sure everything is covered properly. As you may have found most of the newer cars are so complicated that they require a mechanic trained on the computers and other machines used at the garage to fix even minor issues. Simply replacing the oil in your car can be a hassle depending on the make and model. When you are covered with the proper car insurance whether it is with a loan or lease purchase you will be able to make sure you are covered in the event of accidents whether they are your fault, no fault, or the fault of another driver.

When you change cars you will have to change your coverage. The car insurance company is usually going to tell you that you have to up your insurance when you have a loan or lease. They will also ask this question and it is important to be truthful as they will check and refuse any policy if you have lied.