Make sure you get affordable car insurance for your new car

It's always an exciting experience to buy a new car, regardless of how many cars have you already changed over the years. It makes no difference how much money you're planning to spend or how old the car is, it's always a very intriguing moment that is associated with different emotions. It's really so, most of us spend a considerable part of our lives behind the steering wheel, so purchasing a car is often similar to choosing an apartment or finding the right person to live together. Logically, in such emotional moments it's hard to think about the annoying details such as car insurance. Regarding this fact car vendors and insurers tend to make extra money, catching you by surprise and using the moment to make you buy more expensive insurance. But there are simple ways how to avoid such traps and get cheap car insurance even when buying a new car. To save your money in such a situation you have to remember the first rule: avoid the tempting offer to purchase a policy together with your car. It's true, in most states you can't even take the car out of the dealer's shop without having a valid insurance policy. Anyways you're not obliged to buy insurance directly from the dealer you're purchasing the car from. For sure that won't surprise you that most car vendors to have exclusive contracts with particular insurance companies, where they get a cut form each policy sold, so they are increasing the rates on these policies and make the clients think that it's the most convenient way for insuring their new car. In addition, they will try to convince you that your new car requires all the bells and whistles offered by the insurer, including comprehensive coverage, gap coverage, personal injury protection and other extras that come at an additional price. At first you may think the offer is great, but when you start paying the premiums it's really hard to think of such a policy as cheap car insurance. May be buying the policy together with your car is not the best idea, consider the following two options. To start with, analyze the local insurance market by shopping around on the web. Think of comparing the rates by different insurers in case you already know what car model you would like to have. And if you haven't come up with a final decision yet, shopping around for insurance can actually serve as a good aid for making up your mind. The rates will vary significantly from one model to another, and this may serve as a determining factor for your car purchasing needs. You will see, if you're looking forward to buy a car that will be used for several years then having cheap car insurance by default can make all the difference. After you have studied out the problem and have a few very affordable options, make sure to keep them in mind or even print out the terms before going to the car vendor. At their place you may simply compare the rates found on the Internet and what the dealer has to offer, and see if their offer isn't overpriced. After all, the dealer's rates may actually be rather competitive, so it will be more convenient to buy the policy together with the car. But what if not? You still have another option, which makes things even easier. Let's assume you've already decided on the car you want to buy you can simply get your insurance policy in advance and go to the dealer with a valid policy on your hands. If it's not against the law in your state, make sure to go with this option since it will surely be more competitive than what the dealer has to offer. Now it will be easier for you to get cheap car insurance for your new car right from the first day and avoid ending up with inconvenient deals that car vendors love so much.