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Seven Shopping and Car Insurance Strategies for New Car Buyers

New car shopping can be a lot of fun, especially if you’re a car enthusiast. But others find the experience stressful and tedious. Either way, there’s a lot to think about. According to a survey of car shoppers, overall purchase price is the most important factor when shopping for a new car (46 percent), followed by makes and model (31 percent).

Safety and performance come in a distant third, tied at seven percent. But whether you’re turned on or off by the dizzying array of car choices, trim options, “expert” reviews, incentives, and other deals, it definitely pays to approach car buying strategically.

If you’re in the market for a new vehicle and find yourself having trouble keeping a clear head, use these strategies, courtesy of Community Brokerage:

  • Decide how much money you can spend and what type of vehicle best suits your needs. Looking for basic transportation capability like a small or medium sedan? Do you need the hauling capacity of a van or SUV? Something practical? Something sporty? Something in between?
  • Research crash tests and accident data available from the Insurance Institute for Highway Safety on Direct Choice Insurance .com
  • Shop around for financing. If you can, apply for and get approval for a loan from a bank, credit union, or other financier before you visiting the dealership. Being a “cash buyer” gives you an advantage when you meet with the dealership’s financing person.
  • Test-drive the car. Try to drive in conditions that will be similar to those under which you’ll drive every day.
  • Check pricing at two or three dealerships for your desired make and model. Get firm quotes in writing. This should include not only the cost of the car, but any fees and the sales tax. Use that information to help you negotiate the best deal.
  • Carefully and thoroughly inspect your new car before driving off the lot. Make sure all the options you’ve ordered are included and the body and paint are free of scratches or dents.

Finally, it’s important to consider the cost of your state or California car insurance. Few people realize what they pay for insurance can add significantly to the vehicle’s total cost.

Shop around for your state or California car insurance to find out how costs compare. Talk to an independent state or California car insurance agency – like Community Brokerage. They can check with several companies to find the best combination of coverage and price.

To get a Direct Choice Insurance state or California auto insurance quote with Community Brokerage, visit www.Direct Choice Insurance .com, or call us.

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