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What to consider when you buy car insurance -- first steps

It's easy to get lost in the excitement of a new car. Whether it is the newness of the car or the "new-car smell" or the fact that here is a vehicle that Although buying a new car has its share of frustrations, it also has its share of exciting moments, too. Indeed, the most exciting moment for most new-car buyers is when they head to the dealership to take delivery of their new vehicle. It is easy to get swept up in the new-car process and forget key parts of the buying process.

For example, many times a customer at a new-car dealership gets so caught up in things that he or she will add extras into the vehicle that could easily be left out. For example, most 2015 Ford cars and trucks arrive with a standard rear or backup camera. The inclusion of the camera indicates that every Ford model can be equipped with high-cost safety items that require specialized wiring harnesses and looms. Since the wiring is already there, it is easy to check the order box adding rear accident detection equipment and the automatic systems needed to stop the car before there is an impact. It is true this is a great system that will save lives and money but it is equally true that a good driver can avoid accidents by using the available tools and practicing common sense.

With that said, though, what can a new-car buyer do to assure that he or she is not buying things that they do not need? The buyer has to:

-- Gain knowledge
-- Act decisively
-- Resist the temptation to overbuy

It is far too easy to effectively give a salesman carte blanche by agreeing that you need all the fancy bells and whistles after you have taken the test drive and after you are sure that the model you have settled on is the one for you. In order to prevent this situation, you should come to a dealership with a list of the features that you want or believe you need. Research all of the features using sources such as consumer reports or one of the auto buff (enthusiast) magazine. The magazines will give you an idea of how each items works and whether it is a practical value. Once you have a general idea of which items you want and you have learned how they work, take a look at specific websites where you can get hard information about pricing and any extra features that the magazines may have missed. Armed with this information, you can make intelligent choices.

Car-buying is all about making intelligent choices. Nowhere is an intelligent choice more important than your choices for insurance. Before you can buy the proper insurance, something that will be explored in another article, you must know a few things. For example, if it might seem like an oxymoron that you will get the best insurance rates if you are a good driver. That may not be the case, today, as many car insurance companies draw up rates based on your credit rating and not your driving history. Because of this, even if you have a great driving record, if your credit rating is lousy, the chances are good that your car insurance rates will be huge, far outdistancing anything you might have thought possible because of your driving record.

The car insurance industry is saying that even if you are good driver, unless your credit rating is good, then you can forget low insurance rates. So, it pays to make sure your credit is up to the mark before you apply for your car insurance. Interestingly, instead of using standard methods of setting your credit rating, insurance companies use their own proprietary methods. Banks, on the other hand, use the FICO score listing, says Consumer Reports.

In the next tip, we'll be looking at some of the things you need to look at to be sure your insurance choices are the right ones.

Auto Insurance Coverages Learn What Covered

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