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Go Back   Blu-ray Forum > Entertainment > General Chat > Automotive


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Old 10-21-2015, 11:47 AM   #1
Xtempo Xtempo is offline
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Default First Time buying Car and Insurance.

Any recommendations to look at for buying Car insurance for the first time?

Also I think I might get get this one car but I'm not sure at the moment. I can't seem to nail down a coupe or a sedan but definitely used.
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Old 10-21-2015, 01:02 PM   #2
jsteinhauer jsteinhauer is offline
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Quote:
Originally Posted by Xtempo View Post
Any recommendations to look at for buying Car insurance for the first time?

Also I think I might get get this one car but I'm not sure at the moment. I can't seem to nail down a coupe or a sedan but definitely used.
As far as two doors or four, if you don't plan to have backseat passengers, especially children, it's probably immaterial.

You can call around for the least expensive insurance, rate will likely depend on your credit rating and deductibles. If you have homeowners or life insurance with a company, you often get a discount on an auto policy. If you just want insurance to comply with the law, go with the cheapest, just call around or use something like esurance. If you are living paycheck to paycheck, I'd go with a lower deductible and a higher premium, because if something happens, you'll want to have it handled quickly with minimal out of pocket cost. You're in essence paying for the cost of collision or comprehensive repair in installments. If you typically have a few dollars saved up that you could spend on such things, go with a higher deductible, because you will save money over time.
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MaCruz (10-21-2015), Xtempo (10-21-2015)
Old 10-21-2015, 05:31 PM   #3
Xtempo Xtempo is offline
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don't why I threw the car doors in the question. I'm more use to a sedan 4 door with my 1997 saturn so I am sticking to that type.

Insurance to have insurance since I have no insurance other than Health insurance as mandatory by the health act.

this will be the first major purchase for me do alone without my father who died earlier this year.

I had forgotten about esaurance so I will look into that.
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Old 10-21-2015, 05:39 PM   #4
Carlanga Carlanga is offline
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If you are buying used I would try to buy an extended warranty on the dealer if you are doing a dealer like carmax that the guy from jalopnik continues to show:
http://jalopnik.com/you-cant-get-a-c...mor-1655587419
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Old 10-21-2015, 05:53 PM   #5
Xtempo Xtempo is offline
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How does one get insurance without insurance? I mean I am currently cover under my parents policy but in essence have none myself but every time I try to get quotes they bring up stuff I don't know about.
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Old 10-21-2015, 07:01 PM   #6
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My suggestion, would be for you to go into a insurance broker and he or she would explain everything to you and answer all questions...one thing to remember thou is if you are buying the vehicle out right..you can get away with just the minimum insurance your state will allow, if you are financing the vehicle you will have to full cover the vehicle.
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Old 01-13-2016, 01:58 AM   #7
Batman1980 Batman1980 is offline
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Quote:
Originally Posted by Moefiz View Post
My suggestion, would be for you to go into a insurance broker and he or she would explain everything to you and answer all questions...one thing to remember thou is if you are buying the vehicle out right..you can get away with just the minimum insurance your state will allow, if you are financing the vehicle you will have to full cover the vehicle.
I've never heard of that before but I will just stick with Progressive coverage when I get a car again in April. Don't want to risk not having the proper coverage on my next car if I get hit by someone else.
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