If you have saved enough money to purchase a new car, or have already spent your savings on the new car of your dreams– congratulations! There is no thrill like cruising around town in your brand new car you worked so hard for. But before you start cruising, you have to think about getting insurance for your new car– ideally, cheap insurance for your new car.
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How can you get cheap insurance for your new car if you have never had a car insurance policy? Consider these three tips:
Add yourself to another car insurance policy. If you are married, or have parents who trust your driving habits, ask if you can be added to their car insurance policy. This may raise their premiums a bit, but you can pay the difference and the difference will be much cheaper than purchasing a completely separate car insurance policy.
If you have already purchased your new car and it does not include certain safety features, add them. Cars with safety features are seen as less risky to insure than cars without safety features; therefore, insurance companies give cheaper car insurance quotes to drivers who own safe cars.
Ask about “spinning off” of another car insurance policy. If you have ever been on another driver’s car insurance policy, such as your parents’ car insurance policy, ask the insurance company about “spinning off” of that car insurance policy onto your own car insurance policy. You will have your own car insurance policy, and you will most likely get a cheaper premium than you would if you purchased a new car insurance policy out.
Remember, all states require some form of car insurance or financial responsibility. Do not risk huge fines and a suspended driver’s license by neglecting to purchase insurance for your new car.