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Insurance Tips for Buying a New Car

Buying a new car is an exciting experience, but it’s important to think about more than just the color and style. You also need to consider insurance. Here are some tips to help you make the right choices:

Research before you buy

Before you even start looking for a new car, it’s a good idea to research insurance costs. Some cars are more expensive to insure than others. Factors like the car’s make and model, safety features, and even the color can affect insurance rates. Most insurance companies can give you a mock quote so you have an idea of what your new premiums will be so you can budget ahead of time for your new car.

Don’t skimp on coverage

While it can be tempting to get the minimum coverage required by law, this might not be enough to protect you in the event of an accident. You could end up paying more out of pocket if you’re underinsured. Talk to your insurance agent about the coverage options available and which ones are right for you.

Consider adding extra coverage

In addition to basic liability coverage, you may want to add collision and comprehensive coverage. Collision coverage pays for damage to your car in an accident, while comprehensive coverage pays for damage from other events like theft, fire, or natural disasters. These additional coverages may cost more, but they can provide extra peace of mind in case the unexpected happens. 

Driving off the lot

In Colorado, most insurance companies offer a grace period of 7-30 days if you are replacing an old car with the new. This means that you will automatically be covered when driving off the lot. Be sure to check with your insurance carrier ahead of time! If this is a new car that’s not replacing your old policy, it’s best practice to have an insurance policy in place before driving off the lot. Not all insurance carriers have a grace period for this type of transaction! 

By keeping these tips in mind, you can make informed decisions about insurance when buying a new car. Don’t forget to ask us any questions you may have-–we’re here to help you get the coverage you need.

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