Don't Buy any Car Without Knowing Insurance Cost
Make a quick phone call to your present Insurance carrier or get a free quote online, many buyers make the mistake having done extensive research on a vehicle of interest only to find the Insurance quote exceeded their budget, or worse still, have walked away from a deal loosing their deposit because Insurance rate on selected vehicle was not affordable Check rates prior to shopping for any vehicle
Some Car Dealers Will Play Hardball
I don't know the exact statistics but from personal experience I estimate over 30% will negotiate to purchase a vehicle prior to knowing the exact Insurance cost or have written on bill of sale subject to Insurance cost.
I cannot count the number of times having sealed a deal and buyer calls back to say sorry the deal is off " no the deal is not off " you signed a contract with no mention of Insurance being a condition.
Many dealers will play hard ball at this stage and make you walk away from a deposit if there was one in hand, or in order not to forfeit your deposit select another vehicle from their inventory that is affordable " yer right " your now at the mercy of the dealership like a pigeon with no wings to fly away.
If the bill of sale is a cash deal with no conditions written into contract it's binding and you will walk away having forfeited any deposit that may be in hand should the dealer decide to stay firm.
I have known some dealers that will go one step beyond and play powerball telling buyer never mind the deposit, you bought, you signed a contract, we will take legal action. Many buyers at this point will play into the dealers hand " don't " simply walk away from your deposit, I can't recall or knowing any dealer taking that extra step.
If the bill of sale is subject to financing chances are very high having deal cancelled and recover a deposit if every condition is not meet,because if there are any changes such as interest rates - term or down payment the dealer wants you to except or any alterations to contract or bill of sale for that matter, your not obligated to sign a new contract and can walk away from the deal and refunded any deposit that may be in hand by the dealer
You could be Paying to Much for Auto Insurance
Many consumers today renew their car Insurance annually without knowing they could save hundered of dollars by shopping for rates, some of the main reasons for this to happen is that car Insurance is mandatory and there are more important matters at hand in this busy world we live in, or many consumers have been using the same Insurance provider for years without questioning the cost figuring all providers charge about the same " Red flag " today you have much choice through the Internet with competion providing the best car Insurance rates.
My choice after much research goes to 21st Century Insurance and US Insurance and see how much you can save.
It's the best providers I have come across as a free service for comparing your present policy or to get quotes on a vehicle you may consider for purchase.
Factors That Will determine cost
Gender - Women are the safer drivers, whatever we men may think. Insurance rates are higher for us...Age...Traffic Violations...Accident claims...location...type of Vehicle... Anti- Theft Devices....Credit History,,, yes,,, CREDIT HISTORY, the insurer will check the Credit rating of the person. Therefore, before you apply for insurance for the car, clear up any outstanding credit issues if possible. Any person who has good credit rating will be entitled for special discount.
Do you know your credit score.
