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Car Insurance FAQ New Car Coverage

When you buy a new vehicle or a second one, you can receive instant coverage from your auto insurer for it. The trick is that you must contact your insurer within a set time limit to let them know. This period of time, with most insurers, usually is set at 30 days. If, by chance, you don’t contact your insurer about your new vehicle, the company may choose to either not insure it or may charge you an additional amount to get the coverage you need. You do have the option to open a brand-new policy for the vehicle, but you must remember that no matter what you choose to do any vehicle has to have insurance on it before you take it out for a drive.

When you notify your insurer of your purchase, you can take advantage of this situation by giving a glance at your policy. Make sure that you are not carrying coverage you don’t need, or if you need to add extra coverage. This will give you the best protection in the case of an accident. Also, take the time to look around at other car insurance companies for varying quotes. You may find the you can get a better deal for the same amount of coverage with a different company. You will need to have information such as the year of the car, its make, model and vehicle identification number along with the type of engine to get an accurate quote.

With a new vehicle, you may want to consider carrying comprehensive coverage. This will take care of any costs for repairs, medical costs and replacement cost of the vehicle up to the policy limits during an accident. If you have a loan on your car, it is good to keep in the back of your mind any future costs that may be incurred due to damage and repair they can lower the overall value of your vehicle.

 

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