If you are hoping to get affordable insurance for a new car, you should consider the following before purchasing the car.
Find out if your car is one that is often stolen. Many companies provide reports each year that list the “most stolen vehicles” for that year. Regardless of how much you love that all-wheel-drive beauty you have your eye on, if it’s on the list, it’s a gamble. And if it’s a risk, you’re less likely to get cheap insurance.
Check the safety features of the car. This means both inside and outside, as well as for you, your passengers and pedestrians. Ask about airbags and how effective they really are. Look at the seat belts and, if you have children, make sure the car is equipped for child safety seats. You may also want to buy a car that has child safety locks. Is the top of the car heavy and more likely to tip over in tight corners? How do you rate the car when it comes to front, rear and side impact collisions? If your car is safe for everyone around you, you are more likely to get cheap insurance for it.
Plan prior to purchase. Know exactly where you are going to store the car. Do you live in the suburbs and have your own garage with a lockable door? Or is your only option to park your car on the side of the street? If you live in an apartment complex that rents or sells parking spaces, shell out the extra money. If an insurance company knows that your car is more likely to be safe when not in use, it is much closer to having cheap insurance for your new car.
There are many factors to consider when looking for cheap insurance for a new car; some are uncontrollable like your age. Those that can be controlled, however, should be.
