Insurance Business Blog
A blog all about insurance products by a former agent
© 2015 Insurance Business Blog, all rights reserved

How To Buy A Cheap Car

In order to find a vehicle that suits a smaller budget, you’ll need to look in the right places and make sure you get a driver account of the vehicle and get a repair history. Cheap vehicles are not hard to find, but getting ones that are operable, safe to drive, and don’t need a ton of maintenance can be a bit more difficult.  The first step to figure out whether you want to have a budget or not while looking for a vehicle and if you do choose to have a budget, remember that this budget will have to include initial repairs, getting it certified for the road and taking care of any additional administrative tasks.  With this in mind, it may limit you more on what you can look at. However, if you do not have a set budget, then you have more flexibility when it comes to deciding on which car to go with. But before even buying a cheap car, you must actually find a cheap car to buy. Like I previously said, they are easy to find if you know where to look. Now there are a lot of different options than just looking on the internet for deals. Here is a list of options to consider: 1. Junkyard Hunting: Contact a local junkyard and see if they have any cars on their lot that they would be willing to sell. Often times a junkyard will have cars still sitting around, waiting to be crushed. You can find some decent cars here for some really cheap prices. Not all cars that go to the junkyard are actually trash. Some cars just can’t be traded in, or need a lot of work but are still able to operate. Sometime the previous owner just didn’t have the funds to fix the vehicle up bit also couldn’t sell it as it was. Keep in mind that part of your budget, if you have one, should be allocated to any repairs, as junkyard cars will always need repairs.  Most junk yards will let you take a look around if you call and ask.  2. Buy from a Private Seller: There are a lot of people out there who are looking to sell their used vehicles and list them online or put a ‘for sale’ sign in the window and leave them in their yards or driveways. If you can keep a look out for these types of cars, then you may be able to come across a deal. Just be wary that there is a risk when buying from a private seller as verifying the car history can be a bit tricky. 3. Go to a Used Car Lot: You can find a larger selection of vehicles at a used car lot, and if you are smart about checking the vehicles history, then you may be able to find a great deal. A lot of these vehicles have lower price points, and if you can find a trustworthy dealer, then this may be a good option. In addition to this, you can always go to a car dealership that sells new vehicles and see if they have a used car lot there as well, as car dealerships may be more trustworthy. 4. Look at Ads: You can also resort to the internet and look at newspaper sections and on-line classified ads. Often you’ll be dealing with a private seller, but dealerships may also advertise on-line as well. Use these tactics and plenty of research to find a used car that fits your budget, and doesn’t require a ton of additional work to make it road worthy. You may be looking for a longer period of time to find the right one, but the right one will be out there. Article Four:  Find cheap car insurance! In order to have a vehicle, whether it is a used car or a new car, you’re going to need insurance on it. However, insurance can get pricey if you are a new driver, have a newer model of car, or do have a bit of a driving record that isn’t totally clean.  In addition to this, no one really wants to have a high insurance cost, especially since vehicles can cost a lot to maintain and buy in the first place. But finding cheaper car insurance can be a bit risky as you will need to make sure that you are not sacrificing quality for a cut cost. Luckily, just like other insurance policies, there are discounts that you can tap into, as well as finding easier ways to bring down your overall insurance cost or start off with a lower insurance rate. The main thing to take into consideration is that there are a ton of different insurance companies out there, and finding one that offers the right features, price and bundles can be difficult.  Here are some ways that you can utilize in order to find a better deal: 1. Compare: take your time in comparing the different rates that other companies are offering. Do this prior to getting automobile insurance, and then once you have insurance, it is highly suggested that you compare throughout the year. Most of the time, you’ll find that other companies will be offering a lower rate on a very similar policy. 2. Communicate about discounts: Never be afraid to ask to see if you qualify for discounts! There are plenty of different discounts that you can get based on whether your vehicle has anti-theft, whether you park it in your garage, or even get discounts because of a clean driving record. 3. Research: A lot of people want certain types of cars which means that there are more of certain cars on the roads than others. If you choose a vehicle that has less accidents, and less rates based on how many times that particular type of vehicle has been stolen, then you may get a better deal on your rate. 4. Raise your Deductible: If you have a lower deductible amount, then you’ll be paying more on your insurance rates. But if you raise this limit, yes you’ll pay more out of pocket if you have to make a claim, but you will be able to slash your premiums by a pretty decent percentage. 5. Avoid Extras: Don’t bother with all of the extras on automobile insurance unless you absolutely need them as they tend to just steal away extra money for features that rarely get used. In addition to this, if you have more than one policy or need another policy, bundle them! In addition to all of these, avoid getting tickets and car accidents as they will mark your driving record for future years and cost you more, and make sure to keep your insurance agent up to date on life events that may impact your car insurance.
Light red car Red car Blue car
Insurance Business Blog
© 2015 Insurance Business Blog, all rights reserved

How To Buy A

Cheap Car

In order to find a vehicle that suits a smaller budget, you’ll need to look in the right places and make sure you get a driver account of the vehicle and get a repair history. Cheap vehicles are not hard to find, but getting ones that are operable, safe to drive, and don’t need a ton of maintenance can be a bit more difficult.  The first step to figure out whether you want to have a budget or not while looking for a vehicle and if you do choose to have a budget, remember that this budget will have to include initial repairs, getting it certified for the road and taking care of any additional administrative tasks.  With this in mind, it may limit you more on what you can look at. However, if you do not have a set budget, then you have more flexibility when it comes to deciding on which car to go with. But before even buying a cheap car, you must actually find a cheap car to buy. Like I previously said, they are easy to find if you know where to look. Now there are a lot of different options than just looking on the internet for deals. Here is a list of options to consider: 1. Junkyard Hunting: Contact a local junkyard and see if they have any cars on their lot that they would be willing to sell. Often times a junkyard will have cars still sitting around, waiting to be crushed. You can find some decent cars here for some really cheap prices. Not all cars that go to the junkyard are actually trash. Some cars just can’t be traded in, or need a lot of work but are still able to operate. Sometime the previous owner just didn’t have the funds to fix the vehicle up bit also couldn’t sell it as it was. Keep in mind that part of your budget, if you have one, should be allocated to any repairs, as junkyard cars will always need repairs.  Most junk yards will let you take a look around if you call and ask.  2. Buy from a Private Seller: There are a lot of people out there who are looking to sell their used vehicles and list them online or put a ‘for sale’ sign in the window and leave them in their yards or driveways. If you can keep a look out for these types of cars, then you may be able to come across a deal. Just be wary that there is a risk when buying from a private seller as verifying the car history can be a bit tricky. 3. Go to a Used Car Lot: You can find a larger selection of vehicles at a used car lot, and if you are smart about checking the vehicles history, then you may be able to find a great deal. A lot of these vehicles have lower price points, and if you can find a trustworthy dealer, then this may be a good option. In addition to this, you can always go to a car dealership that sells new vehicles and see if they have a used car lot there as well, as car dealerships may be more trustworthy. 4. Look at Ads: You can also resort to the internet and look at newspaper sections and on-line classified ads. Often you’ll be dealing with a private seller, but dealerships may also advertise on- line as well. Use these tactics and plenty of research to find a used car that fits your budget, and doesn’t require a ton of additional work to make it road worthy. You may be looking for a longer period of time to find the right one, but the right one will be out there. Article Four:  Find cheap car insurance! In order to have a vehicle, whether it is a used car or a new car, you’re going to need insurance on it. However, insurance can get pricey if you are a new driver, have a newer model of car, or do have a bit of a driving record that isn’t totally clean.  In addition to this, no one really wants to have a high insurance cost, especially since vehicles can cost a lot to maintain and buy in the first place. But finding cheaper car insurance can be a bit risky as you will need to make sure that you are not sacrificing quality for a cut cost. Luckily, just like other insurance policies, there are discounts that you can tap into, as well as finding easier ways to bring down your overall insurance cost or start off with a lower insurance rate. The main thing to take into consideration is that there are a ton of different insurance companies out there, and finding one that offers the right features, price and bundles can be difficult.  Here are some ways that you can utilize in order to find a better deal: 1. Compare: take your time in comparing the different rates that other companies are offering. Do this prior to getting automobile insurance, and then once you have insurance, it is highly suggested that you compare throughout the year. Most of the time, you’ll find that other companies will be offering a lower rate on a very similar policy. 2. Communicate about discounts: Never be afraid to ask to see if you qualify for discounts! There are plenty of different discounts that you can get based on whether your vehicle has anti-theft, whether you park it in your garage, or even get discounts because of a clean driving record. 3. Research: A lot of people want certain types of cars which means that there are more of certain cars on the roads than others. If you choose a vehicle that has less accidents, and less rates based on how many times that particular type of vehicle has been stolen, then you may get a better deal on your rate. 4. Raise your Deductible: If you have a lower deductible amount, then you’ll be paying more on your insurance rates. But if you raise this limit, yes you’ll pay more out of pocket if you have to make a claim, but you will be able to slash your premiums by a pretty decent percentage. 5. Avoid Extras: Don’t bother with all of the extras on automobile insurance unless you absolutely need them as they tend to just steal away extra money for features that rarely get used. In addition to this, if you have more than one policy or need another policy, bundle them! In addition to all of these, avoid getting tickets and car accidents as they will mark your driving record for future years and cost you more, and make sure to keep your insurance agent up to date on life events that may impact your car insurance.
A blog all about insurance products by a former agent
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