Purchasing a new car also involves updating your auto insurance coverage. However, since your monthly premium is often tied to the make and model you drive, it's worth reaching out to your agent before visiting a dealership. Ask them the following to see if it affects your final choice.

What to Ask Your Insurance Agent Before Buying a New Car

1. How Will This Impact My Rates?

Auto insurance rates are determined using a variety of factors, including your driving record, location, and age. The car you drive also plays a major role, since models that are expensive to repair or replace pose a larger risk for insurers.

Conversely, vehicles that come with safety features like anti-lock brakes and collision avoidance systems can help prevent accidents, which may lower your costs. Therefore, if you are deciding between several choices, your insurer may be able to offer insight on what's best for your budget.

2. What Type of Coverage Should I Add?

Drivers are generally required to at least carry liability coverage that pays for damage or injuries to other drivers if there’s an accident. However, if you’re investing in a new vehicle, you may want to carry extra protection that covers your own expenses if there’s an accident, theft, or injury. If you have to finance the purchase of the car, likely the lender will require this added coverage. Therefore, ask your agent about your options.

3. Do I Qualify for Any Discounts or Deals?

If you’re adding another car to your household, you might qualify for a multi-car discount that makes the rates for each one more reasonable. Some insurers also offer price reductions for those who bundle their home and car policies together. If the car is for your teenager, asking whether your provider offers a good student discount is also worthwhile.

If you’re looking for auto insurance for a new vehicle, contact Insurance Savers in Phoenix, AZ. The insurance agency offers auto, home, business, motorcycle, and liability insurance for residents. With more than 20 years in business, the independent agency works with more than 30 carriers to provide the best rates and coverage options to customers. Visit the agency’s website to see your current auto insurance options. To request a quote, call (602) 265-9311 to speak with an agent.