TOP 10 Tips for CHEAPER CAR INSURANCE - 2022 - How to get Lower Auto Insurance Rates
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- Опубликовано: 8 июн 2024
- CAR INSURANCE QUOTES AREN'T THAT TOUGH TO GET. THEY'RE ALL OVER THE INTERNET. Don't you think it's time to find out where you stand with your insurance company?
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With Titles like 11 Fake Fees, to Don't Say I'm Paying Cash at Car dealerships, and Car Shortage Crisis, and Car Dealer Says Bring the Car Back!... The Homework Guy Team publishes videos to help Car Buyers. Then we added Cash Buyer Negotiations, and Held Hostage at a Car Dealership, No Haggle One Price Car Dealerships, How Much do Used Car Dealers Pay for Cars?, 10 Things You Should Not Say to Car dealerships, and the Costco Auto Program. We hit all the topics, and we represent Car Buyers, a goal that’s often in direct conflict with Car Dealer goals.
A CAR DEALER WANTS TO:
1. SELL every car for the Highest Possible Price.
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3. DECLINE Dealer Fees and Finance Products.
4. TRADE / SELL their current vehicle for the Best Value.
For more than 40 years, dealerships have EARNED their lowly reputation by being the masters of predatory selling. Dealers stalk victims relentlessly, often ruthlessly treating the most vulnerable car buyers (like seniors, for example) with little or no conscience. Car Dealers and their Finance Officers have no problem creating financial devastation for their customers with over bloated car loans, and quite often do. We point out the traps and the flaws of the process, and help car buyers get by all the nonsense without being ripped off. We promote fairness, honesty, and transparency, and we’d love to see a few dealers join our mission!
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WANT A FREE CAR INSURANCE QUOTE? Any city or state, multiple providers at: lowcostcarinsuranceprice.com/
Having to carry car insurance should be illegal or seriously reformed. It's legalized extortion.
The illusion of freedom my friend , it should be a choice, I just did a review on the WORLDS Cheapest Insurance Company
Why can't the government regulate this RIP off companies and just let us take care of our own mistakes if in any car accident?
You don't have to carry insurance in California. Just make a $35,000 cash deposit with DMV.
Most states do not require you to carry insurance for yourself. You are required to carry for the other drivers on the road. Why should they have to pay for an accident caused by someone else?
Ned the Wino thank you for being the only one who understands why it is legally required
been driving 19 years, never filled a claim, perfect driving record but yet my premiums keep goin up. and all they say is the state increase it.....
This just happened to me ridiculous
Tying insurance rates to credit scores sounds like just another excuse to screw customers over.
TheDano1947, their is a corlation in credit to risk. Lower credit customers are a higher risk. Simple as that.
Ned the Wino ... But the question is: "higher risk" of what? Of possible being late on monthly insurance payments/potentially letting insurance lapse? That's a reasonable & provable correlation.. *BUT* if you're telling me people with sub 600 credit scores are more likely to speed, hit pedestrians or cause car accidents then I'd laugh at you & tell you how full of BS you are - With the latter being most important in determining potential insurance premiums.
Brian that's called anecdotal and has nothing to do with reality. Study after study shows that lower credit ppl are more likely to file claims so if your credit is poor you're going to pay higher rates. Just like if there are more accidents in your zip code this makes you more likely to file a claim and therefore your rates will be higher.
Thats exactly what it is. I found a new company that gives you insurance based on how you drive, I did a review video on them
@Brian Waller oh... So since yoooouuu haven't had an accident that means all people who have low credit are great drivers. Perfect logic there 👌
People who are responsible enough to keep their finances in order usually have things to loose and think about things responsibly, and are less likely in most cases to make poor decisions.
One of the issues we address on this video is the Window Etch Theft Protection that dealers are selling everywhere. If you don't heed the warnings we give here, perhaps the fact that many websites exist across the country talking about this product and describing it as a 'SCAM' will help you understand it better. We happen to also have a video on this channel dedicated to this product. Here's the text from the following link: www.ohiolemonlaw.com/buyer-beware/window-etching/
It is sold in the car dealership in the finance office as a form of 'insurance' you supposedly need to keep your car 'safe' from thieves. You decide if you should be wasting your money on Window etch theft protection or not...
WINDOW ETCHING - IS IT THEFT PROTECTION OR JUST A CAR DEALER RIPOFF?
If you pay hundreds of dollars to a car dealer and you could get the same thing on the internet for less than twenty bucks - which do you think is the better deal? And is it a good deal for you when it costs the dealer less than $10?
Well that's what many car dealers pay for it and they commonly charge consumers $200 or more. Do you think you might be getting ripped off? You are very likely to be right - you could be getting ripped off big time. Especially since most new cars and trucks already come with a factory installed system or part that already does what the dealer wants you to pay them extra for.
One of the great ripoffs of the decade is the window etch so-called "theft guard" scheme. There are lots of different names for it but all that window etching amounts to is some almost invisible scratches on your window that you get charged hundreds of dollars for. It all boils down to lots of profit for the dealer and no real value to you at all.
We have filed numerous lawsuits against car dealers involving the window etching scam and you can see some of them on our Car Sales Fraud web page listing court cases we have filed for consumers.
And in one Southwest Ohio local car dealer operation's case, they claim that the window etching, they call it "theft guard", is already installed on the vehicle so you "have" to get it. Don't believe it. Odds are, it's just another car dealer scam designed to get into your wallet. If the dealer claims they put it on already, or they got the car from another dealer that way, that does NOT mean you have to pay for it. And the profit a car dealer makes off the etch a sketch scam is huge in one dealer's case it was 95% of the $200 being charged the consumer. So just say "no" and do not let them trick you into signing up for it. And if they still want your money, then go somewhere else. And don't waste your money.
So what is this window etching or theft guard stuff? Bluntly put, it is nothing more than "make believe" theft protection and it doesn't "deter" much of anything - except maybe dollars out of your pocket and into the car dealer's pocket.
Does the car dealer's nice, shiny Chevrolet or Nissan or other factory sign out front of the car lot mean that their "theft guard" window etch is worth it? Not likely. In fact, odds are that the factory already installed a theft deterrent on your vehicle and the car dealer is just trying to rip you off.
So is window etching a good deal or just a rip? You be the judge.
Car dealers usually claim that window etching is theft protection or it is like theft insurance because it might give you an extra $2,500 or so if it fails to prevent your car from being stolen. Really? Do you think that some scratches on the glass that are less than half an inch tall are going to prevent a thief from breaking the window and stealing your car? Not likely. But it was such an obvious rip off car dealers had to dress it up into something more. So window etching is now promoted as just one part of what they call “layered protection” where other, more real theft protection devices may be installed. In other words, etch is so lousy that they have to put a real alarm system on the car too. That ought to tell you something, folks.
If you are a victim of car dealer sales fraud from an Ohio or Kentucky car dealer, or if any car dealer treated you unfairly, deceived you, or just plain lied to you, call us on our Toll Free Car Sales Fraud Hotline, 1.888.342.6422 right now for a Car Sales Fraud Case Review. Suing car dealers to get back your money? That's what we do.
But perhaps the worst part of the window etch scam is that there seems to be no real proof that the window etching does you any good to prevent a theft of your car at all. If a factory installed anti theft device or system is already on your car or truck, then don't waste your money on the car dealer's window etch theft guard.
Maybe worse than the fact that it does you no good is the profit margin the dealer charges for window etching. It usually costs the dealer from less than $10 to maybe around $25. In fact, if you really want to get window etch, it is widely available on the internet for as little as $15.
One window etch marketing plan, proudly claims window etch profits can be as much as $900,000 a year at the average dealership. No wonder they are anxious to push it into your deal, sometimes telling you things like “the bank requires you to get this” (no bank does).
Don’t be fooled when the dealer says “And it only costs $3 a month” either. That’s nothing but just another clever way of trying to sell it. Car dealers figure that if they break the cost down like that, then maybe you won’t notice the fact that it’s probably just a huge waste of your money.
The window etch scam not only makes exorbitant and undeserved profits for the car dealer, but etching is virtually worthless to the average consumer. You might have a better chance at winning the lottery - and a lottery ticket is cheaper too.
The window etching ripoff used by car dealers like one big auto group in the Dayton, Ohio market, has been called the top car dealer scam you are likely to run into, and for good reason.
You can read about some of the many lawsuits we have filed against car dealers involving the window etching scam on our Car Sales Fraud web page listing court cases we have filed for consumers.
If you've been ripped off by a car dealer's window etching scam, email, fax, or phone us on our Car Sales Fraud Hotline1.888.331.6422, toll free for a free auto fraud and car sales fraud case review.
And so it seems... the real thieves are the ones that sell it to you: Here's also a video link to check out: ruclips.net/video/tkIL4WetRFM/видео.html
Credit scores are SCAMS. How many ways can someone get good credit as oppose to getting bad? What if you dont oew bills? How can you build a credit score? Oh, you mean I have to go out on a lim and borrow a huge loan.
Artist Villanueva not at all. There’s tons of ways to safely build credit, hence secure cards etc
Do me a favor and educate yourself
This video is about helping the consumer make the best insurance purchase decision they can, and lowering their rates. In addition to what you find in our video, here are a few tips put out by Edmunds. If you're shopping for car insurance, you know there are certain crucial factors influencing your rate that are out of your hands. Such factors include your age, gender and record of prior claims.
Despite this, there's a lot you can do to score a lower rate, and your choices bear more power than you might think. Here are 10 tips guaranteed to help you get the best rate possible on your auto insurance.
1. Get more than one rate quote before you commit."Company prices are very different, and it pays to shop around. You can easily wind up paying double from one company to the next," says J. Robert Hunter, director of insurance with the Consumer Federation of America, a national watchdog group.Want to get a sense of who the low-priced carriers are? The National Association of Insurance Commissioners offers a map on its Web site that lists each state's regulators. Click on your state and you're taken to the state's Department of Insurance Web site. Its consumer buying guide compares insurance premiums across a range of companies. You'll also learn how many complaints each company has logged. Surprisingly, you don't have to sacrifice service quality to score a low premium. "A lot of the lower-priced companies have the best service rates," says Hunter.There are a host of independent Web sites, like CarInsurance.com, that allow you to comparison-shop by offering online price quotes. These sites can be incredibly useful. However, Hunter warns that these services - which earn their keep by charging carriers a commission on each sale - occasionally fail to include the insurance companies with the lowest rates, since these low-cost carriers are unwilling to pay commissions.
2. Evaluate insurance costs before you buy your vehicle.The year, make and model of your vehicle can have a profound impact on your insurance rate. All else being equal, new, expensive or sporty cars will cost more to insure than older, cheaper and more utilitarian vehicles. But you could find a substantial discrepancy even when comparing the cost to insure similar cars. So if you've got a few models on your shortlist, contact your carrier to see what rate each vehicle commands. Doing so could ultimately net you a windfall in savings when the time comes to pay your premium.
3. Go high on deductibles.If you're willing to give a little with your deductible, you can wind up saving big on your rates. "If you go from a $250 to a $1,000 deductible, you can save between 25 and 40 percent on your policy," says Hunter. You can then set aside a portion of these funds to cover your costs in the event of a claim.
4. Nix collision and/or comprehensive coverage on older cars.If your older car has comp and collision coverage, you might find yourself paying more in insurance than the car is worth. "Take your comp and collision premium and add it up, then multiply it by 10. If your car is worth less than that, don't buy the coverage," says Hunter. If you're worried about being left overexposed, consider this: The typical policyholder makes a claim only once every 11 years, and reports a total loss only once every 50 years.
5. Mind your credit score. An increasing number of carriers are considering credit scores when making rate calculations. "Your credit score can be very important in determining your rate," says Hunter. "You can wind up paying up to 50 percent more if you have a bad credit score." Keep your credit score in tip-top shape by paying bills in a timely manner and by regularly checking that there are no items on your history that do not belong to you.
6. Ask about low-mileage discounts.Many carriers offer discounts to policyholders whose annual mileage is lower than the norm. Maybe you have a short commute. Or maybe your participation in the office vanpool results in fewer hours spent in your daily driver. Whatever the case, your low mileage can score you a reduced rate with some companies, so be sure to inquire about available discounts.
7. Ask about group insurance discounts. Oftentimes, insurance companies offer discounts to policyholders who are members of certain organizations or professions, such as veterans, engineers or teachers. Request a list of these groups from your carrier to see if you qualify - you might be pleasantly surprised.
8. Ask about all other discounts. Some carriers offer discounts to policyholders whose vehicles bear certain safety features, like anti-theft devices or motorized seatbelts. Others give reduced rates to senior citizens, and to students whose grades meet certain requirements. "Many carriers offer discounts. Ask for them when you're shopping," says Hunter.
However, Hunter offers one caveat: "Some of the companies that offer the highest discounts have the highest rates, so don't get too focused on discounts. Some high-priced companies offer high discounts, but at the end of the day you're still paying more."
9. Avoid lapses in coverage. Even a brief lapse in coverage can disqualify you from receiving discounts. "They use lapses in coverage to increase your premium," says Hunter. Pay your insurance bills on time. And if you're switching carriers, make sure not to quit your previous carrier until the new coverage takes effect.
10. Think twice about paying in installments.Most carriers charge an administration fee to pay in installments. One carrier surveyed levied a $10 charge per installment to those who opted to break up their bill. The solution? Pay your premium up front, if at all possible. Of course, this charge is more significant for those with small premiums. If you've got a king-sized premium and feel you'd get a better rate of return by investing your funds elsewhere instead of paying up front, then the installment route will probably best suit your needs.
Like your tips to lower car insurance rates. Thanks.
Be aware of lowest rate on car insurance. You must know the coverages that come with that cheap price. If you damage personal property, you have to know if all of it is coverage. What is the maximum amount of coverage? How much is your deductible? How much liabilities will be covered? The most import thing is how much
Johnny Brascom thanks man!
This video was very helpful in reference to getting a bargain of a deal for car insurance. I researched 3 companies, State Farm, Progressive and GEIKO. To insure my 1998 Camero, State Farm wanted $152.00 a month, Progressive $70.00 a month, and GEIKO $69.00 a month. I decided to go with Progressive, because I will save more when I add the extra discounts tomorrow! Thank you Kevin Hunter for producing such an amazing informational video. Best Regards, Martin. 😊
are you nuts? why insure your 1998 crap?
ButtFeet because he can still be held liable for causing an accident 🤔
Weightloss Warrior did you get full coverage for your 1998 Clamato. Or the cheapest. I’m trying to figure out if I should keep full coverage on my 2005 suburban . Thanks
@@myeshadapisces no you shouldn't.
Yo Kev Great Info sending And sharing this to All My Friends and family
thanks a ton. these videos are extremely helpful!! I'll be buying my first car in June and now I feel prepared to make my deals. keep doing what you're doing👍👍👍
We also have a video coming out this weekend (or later today) on how to survive the dealership finance office. Many people think the finance man is their friend, but the biggest lies told in the car business actually happen in the finance office. I will share the link here for you as soon as it is up. Thanks for your comment!
I lived in the town of Wawanesa 7 years. This as an awesome commercial. I drink from the same Wawanesa Insurance coffee cup for the last 6 YEARS.
The cost of insurance can always be negligible considering its long term protection merits. I'm a supporter. 👍
I appreciate all your help.....
how do i look up independent car insurance quote
this very helpfull thanks
GREAT VIDEO MR HUNTER...
Thanks for the tip
thanks for the knowledge!
It is important to know about this guidance..thanks a lot
VERY GOOD ADVISE
Super helpful
Thanks Kev! as a college student I just learned so much from this video!
bless your heart for you know when you start out it's high but check into matters that can help like the one my daughter did and that's drivers education class
Thanks it's really helpful for me
Thank you for your comment! Our goal is to create more savvy car insurance shoppers. By doing so, all the companies in the business have to sharpen their pencil and come up with more competitive plans. Glad you found our car insurance advice to be helpful!
Thank You
thanks kevin
This is a Great video
wow thats was amazing
I just shopped for insurance and the cheapest was Geico again. Second was Liberty Mutual by $300 more and third was Mercury by $500 more. Others were $800 more.
I pay 230 per month for a Buick Enclave perfect driving record 47yo absolute bullshit... the government must be getting a kickback because they're doing nothing to stop this
Thanks.
nice info
very good 👍👍
excellent
I miss my Mercedes 300D. The insurance was so damn cheap. Good Credit + Antique.
very good
thanks
good idea
Thank you will fix
good job
A lot of great ideas shared on this video. Insurance will always be a concern for car buyers and consumers, and everyone wonders how to get the cheapest car insurance quotes.
According to Edmunds:
1. Get more than one rate quote before you commit."Company prices are very different, and it pays to shop around. You can easily wind up paying double from one company to the next," says J. Robert Hunter, director of insurance with the Consumer Federation of America, a national watchdog group.Want to get a sense of who the low-priced carriers are? The National Association of Insurance Commissioners offers a map on its Web site that lists each state's regulators. Click on your state and you're taken to the state's Department of Insurance Web site. Its consumer buying guide compares insurance premiums across a range of companies. You'll also learn how many complaints each company has logged. Surprisingly, you don't have to sacrifice service quality to score a low premium. "A lot of the lower-priced companies have the best service rates," says Hunter.There are a host of independent Web sites, like CarInsurance.com, that allow you to comparison-shop by offering online price quotes.
2. Evaluate insurance costs before you buy your vehicle.The year, make and model of your vehicle can have a profound impact on your insurance rate. All else being equal, new, expensive or sporty cars will cost more to insure than older, cheaper and more utilitarian vehicles. But you could find a substantial discrepancy even when comparing the cost to insure similar cars. So if you've got a few models on your shortlist, contact your carrier to see what rate each vehicle commands.
3. Go high on deductibles.If you're willing to give a little with your deductible, you can wind up saving big on your rates. "If you go from a $250 to a $1,000 deductible, you can save between 25 and 40 percent on your policy," says Hunter.
4. Nix collision and/or comprehensive coverage on older cars.If your older car has comp and collision coverage, you might find yourself paying more in insurance than the car is worth. "Take your comp and collision premium and add it up, then multiply it by 10. If your car is worth less than that, don't buy the coverage," says Hunter.
5. Mind your credit score. An increasing number of carriers are considering credit scores when making rate calculations. "Your credit score can be very important in determining your rate," says Hunter. "You can wind up paying up to 50 percent more if you have a bad credit score."
6. Ask about low-mileage discounts.Many carriers offer discounts to policyholders whose annual mileage is lower than the norm. Maybe you have a short commute. Or maybe your participation in the office vanpool results in fewer hours spent in your daily driver.
7. Ask about group insurance discounts. Oftentimes, insurance companies offer discounts to policyholders who are members of certain organizations or professions, such as veterans, engineers or teachers.
8. Ask about all other discounts. Some carriers offer discounts to policyholders whose vehicles bear certain safety features, like anti-theft devices or motorized seatbelts. Others give reduced rates to senior citizens, and to students whose grades meet certain requirements. "Many carriers offer discounts. Ask for them when you're shopping," says Hunter.
9. Avoid lapses in coverage. Even a brief lapse in coverage can disqualify you from receiving discounts. "They use lapses in coverage to increase your premium," says Hunter. Pay your insurance bills on time.
10. Think twice about paying in installments.Most carriers charge an administration fee to pay in installments. One carrier surveyed levied a $10 charge per installment to those who opted to break up their bill. The solution? Pay your premium up front, if at all possible. Of course, this charge is more significant for those with small premiums.
If you've seen "The £26 a YEAR car insurance man - Martin Lewis" you're going to enjoy this video.
North West DIGITAL NEWS, very solid advice!
Wow like this ,hope I dont start getting phone calls and letters in my mail
nice video
Use an app that tracks YOUR driving rather than making you pay for everyone else's claims
this is good
If you have a low gpa does it make the car insurance more expensive???
Thak God I live in California!!
Isn't the background music from Philip Defranco's channel?
No
Yes I pay mine every year it saves me 450 per year. And I use a o% credit card for 12 months and so I break it down into 12 payments so I pay per month. The fee for the bal transfer is cheaper than paying the insurance company monthly payments. So I saved $$.
Good...
Do I still have to pay deductables if I am not at fault? Thanks
Depends
yes
what if I file bankruptcy
Problem with #9/10; being in the finance office. I'm surprised that anyone ever goes to buy a car without first having their bank approve a loan these days. I would have figured with the age of the internet, the practice of the stealership talking people into 22% APR loans, or "0%" loans that just tack all that extra cost onto the sticker price would have died by now...
Good
Can I really go back to the dealership and cancel all the insurances i put on it? I got GAP, bumper to bumper, tire and rim, and i feel duped! First time buying a vehicle from a dealership and fell for it all. If i could cancel that would be a life saver
Yes, you can cancel it all. Make sure you see the other video on this channel "Top 10 Tips - How to Beat Car Dealer Finance Office" as well. From GAP, to Extended Warranties, to Tire and Rim insurance, to Theft Protection, you can cancel it all. They won't like it, but YES... you can cancel it all. Come back and let me know how it all turns out. I love hearing these kinds of stories when a dealer thinks they got away with screwing a customer, only to have them show up later and cancel all that junk!
Hi my name is jose and i have geico and they told me that aftet december i wont have insurance any more becauses i had 4 accidents 1 was my fould and on 3 i didnt have the fault how can a get another company or what other company can give me a good price
Po3tic__o me tuve que cambiar de seguro y pagar mas como casi 200 mas
I would of got Drivewise but I wouldn't do well with the under 80mph thing lol
nice
good
I use Root insurance, which after a test drive, I pay $110 a month for full (liability, collision, and comprehensive) coverage on my 2012 Chrysler 200. Way cheaper than other quotes I've gotten. And I'm a 21 year old male with a license that's less than one year old.
Kevin Nicholson I bet you have state minimum liability limits with $500 or $1000 deductibles. In fact, I can pretty much guarantee that’s what you have.
For any car shoppers out there, if you haven't already seen the new video by Kevin Hunter titled "Top 10 Tips to get the Best Car Deal" click here: ruclips.net/video/Lik6d0mcNp4/видео.html
Watch the video noted above, and also take the time to review these tips from Edmunds. They do a great job of laying out tips for car buyers. Below are some suggestions from their staff on buying a new car. The only thing to keep in mind is that you can tell from some of the information that the staff who wrote it up haven't necessarily spent time on a car lot. It's a lot different when you actually see what some dealers do to people, and how prepared you have to be for the fact that you can run into somebody who is very dishonest. Here they are:
Step 1: Research Vehicles and Pick the Features You Want
Not sure what car you want yet? The Edmunds app and website have just about all the information you need, including expert and owner reviews. In addition to Edmunds, we've also found automakers' sites useful for seeing more photos and learning more about the features and options on cars. Once you have a short list, it's time to figure out how you'll pay for the car.
Step 2: Get Pre-Approved for a Car Loan
A pre-approved car loan starts you on the right foot. You get an idea of how much you can afford and you'll have an interest rate that you can then compare to the dealership's financing, which might actually have the lowest annual percentage rate. Look for a loan application on the mobile web pages of your bank, credit union or a third-party lender. It's a good idea to do your own research on which lender works best for you.
To begin the loan-approval process, have at hand your employer and salary information and balances of other debt you may have. Make sure you will be ready to shop within about two weeks of seeking pre-approval. This will reduce the number of "hard" inquiries to your credit history.
Step 3: Plan your Trade-In Strategy
You can skip this step if you don't have a trade in. If you do, keep reading.
It's important to get your trade-in value before you go to the dealership. This will help set your expectations for what the car is worth and gives you a reference point for any offers you'll receive. The best way to get the value of your trade-in is to use the Edmunds app on a smartphone or tablet. Those devices make it easier to sit in the car and double check whether you have options that can affect the car's value - things like heated seats or a sunroof. Be honest about the condition of your car. Most cars fall into the "clean" or "fair" category. Very few cars are "outstanding," no matter how much their owners babied them.
When you're done appraising, you'll see three figures. The trade-in value is what the dealer may offer you - that's a figure to keep in mind when you're at the dealership. The private-party value is what you might expect to get if you sell the car yourself. Dealer retail is a little different: It is what you might expect to pay for the car if you were to buy it at a dealership.
There's an alternative to trading in a car or selling it yourself: Have used-car retailer CarMax appraise the car and make you an offer. The offer is good for seven days, at which point you can ask the dealership to beat that price or you can sell your car to CarMax.
Step 4: Locate and Test-Drive the Car
By now, you've settled on a few car candidates. You should see them in person before making a decision. Hundreds of dealerships throughout the country list their car inventories on Edmunds, and in many cases, you can sort by color, trim level and features. This is a better way to shop than configuring a car at the automaker's website and hoping you will find one with that set of options in the real world. All of the listings you'll find on Edmunds pages are real cars with a variety of options. Most will have a locked-in price that should be comparable to what others are paying.
Step 5: Get a Sale Price and Ask About Extended Warranties
Once you have a target car, it's time to focus on getting a price. We recommend using one of these two ways to get a price quote on a car:
a: Call, text or email the internet sales department of three dealerships that have the car you want. Ask each for the total selling price, including any additional accessories that may have already been installed on the car. The best price will be obvious. You also can take that quote and ask the other dealerships to beat it. If you plan on leasing, this is the way to go.
b: You can save time and trouble by using Edmunds to get a locked-in price that's designed to be comparable to the average price that others are paying in your area. Make sure you ask the salesperson to email or text you a breakdown of the "out-the-door price," with all the taxes and fees factored in. That lets you see the total amount you'll be spending.
Step 6: Review the Deal and Check for Dealer Financing
Now that you have a price quote for the car, your big question is probably whether it's competitive. Edmunds uses the term "Average Price Paid" - also known as Edmunds TMV - to measure this. It's the amount that others are paying in your area for a similarly equipped car.
Step 7: Close the Deal
If the price, financing and fees look right, it's time to say yes to the deal. From here, you can proceed in one of two ways: buy at the dealership or have the car and paperwork delivered to your home. Most people tend to wrap up the sale at the dealership. Once you've agreed on a price, the salesperson will take you to the finance and insurance office. Here, you'll sign the contract and purchase any of the additional products we discussed earlier, such as an extended warranty.
Step 8: Take Delivery
Whether you take delivery of your car at the dealership or at your home, it should be clean. The gas tank should be full. Give the car a final walkaround, checking for any dents or scratches that might have occurred during transport.
Mr Hunter I am a single male no children, just finance a 2013 ford focus, and myinsurance policy is with one of the big 4 Geico, for 251.00 dollars I know i can get a policy less then that what do you recommend... because its cutting in to my other bills...
Rebel 00 that’s sounds reasonable for full coverage for a young person. Try to not finance a car so full coverage won’t be necessary
jillian mcallister Thank You
$251 for what, a month or 6 months?
What State? Don't u pipo understand New York City and New Jersey have highest car insurance rates in the US. Bastards!!!
Sophia Chin Well they’re in the top ten. But, Los Angeles is #2 probably tied with NY and Miami is there. Top two are LA and NY. Jersey is 10th.
awesomw
I got good student discount too
Many companies do have a good student discount. Do you mind sharing what you had to submit to get the discount? Thank you!
Kevin Hunter They don’t really need proof I have Allstate and I just told them my college name
@@KevinHunter typically the last report card within 6 months.
Should be freedom of having insurance or not.
I cancelled the 2000 warranty that is useless on this car like maybe 3 days after I sign the paperwork and the finance company is still charging me for it I asked them to modify the loan and take the redo the loan they refuse to do that so what can I do about this with the warranty that was added that I didn't want also they raped me for $2,000 profit of what the car is actually worth I contacted and I'm still awaiting what the outcome is with that the car is a solid car the interior looks like brand new like I said have that front end damage to it and a dent but they were not completely honest with me and the deal and I tried to unwind the deal the day after I bought it and the jackass finance manager refuse to take the car back
im fine
good mornig
I would never let the auto insurance companies predict what kind of car I'm gonna buy! F that
How would your insurance company predict the kind of car you'd buy?
@@KevinHunter by setting the price of insurance. Say you want a Mustang GT but the insurance is ridiculous so you go and buy a Fusion with a 6 cylinder. Or a mustang with a 6 cylinder. I'm buying the car I want no matter what my insurance is gonna charge!
So that's great. You buy whatever kind of car you want, regardless of what the cost of insurance is. If you can afford to do that, fine. Nobody really cares. The reason a typical car buyer needs to be aware of insurance cost is that far too many people are living paycheck to paycheck. They strap their budgets by purchasing too much car to begin with, fail to take into consideration the cost of insurance, and find themselves "car poor" in a short period of time. Affording to do that is one thing. Being stupid and losing your car is another. For anyone working with a tight budget, they'd better be watching and considering the total cost of ownership, or lose the car altogether. Clearly, you have to see the common sense in that.
@@KevinHunter I do agree with you on that that's why I was on here watching the video. I cant afford to buy any car I want I'm sure there are cars that I couldn't even afford to pay the insurance on that's why I used a Mustang GT as an example not a Lamborghini so if it came down to me buying a sports car for under 100 grand I'm not gonna get some slow pos cause insurance is to much that's all I was saying. I'm currently paying 606.58 a month for 3 cars a truck and 2 motorcycles and I think its ridiculous to pay that much so I was just trying to find ways to bring it down or just go somewhere else for insurance.
Here's a link you might consider trying: lowcostcarinsuranceprice.com/ This company contacted me back in January and asked if I would consider working with them. They offer a number of providers in every city and state in the country. I've received a lot of positive feedback on them. Check it out, and let me know what you think.
I'm going to be a new driver with no credit, I'm only 19, my parents won't help me with anything let alone put me on their insurance, I'm so stressed I dont know what to do :(
Hello Amber! Can you include your question on the following video link? We are doing a weekly show titled "Real Car Buyers Questions" on Sundays 3pm PST and will be glad to address your concern directly. Many young buyers have the same questions, so it will help others to address this on our live show. Here's the link: ruclips.net/video/HZhPxYkiTQo/видео.html
Whether you need home, car, or business insurance, we have you covered. Providing reliable policies in Brampton is what we strive for. To learn more about our variety of effective polices and to request a free, no obligation insurance quote, visit us here. www.ccvinsurance.com/locations/brampton/ #autoinsurancebrampton #carinsurancebrampton #insurancebrampton #homeinsurancebrampton
lower auto insurance nice good
👍
free car insurance quote?
Know that they low ball your car, in our case by $2900. Now I am forced to get an attorney. I'm not their client, I'm the victim of being rear ended. So how does this affect you? In all likelihood I will have to sue the kid that hit us that has Root Insurance. So imagine the stress of admitting your at fault, could have been a quick easy resolution, but now because you bought cheap insurance, your going to be sued.And this doesn't even include my injuries!
Lmfao, just tried asking 5 different agents about cheaper cars to inscurance. Every one got an attitude n told me theres no way to know until i buy it and have the vin run on a quote.
734gman I got the same crap. What’s up with that?
i need car insurance
this is like the nlt version of the Bible , modern words that I can understand
I'm 22 years old and pay 150 a month on car insurance. Is that too much?
Be happy I'm 20 and paying $450 a month. 😫. I wish mines was 150.
Desy W sorry to hear that. The best you can do right now is stay free from car accidents
You haven’t explained what coverages you have. If you’re carrying state minimum liability limits and high deductibles (if you aren’t just liability only) it’s pretty crap coverage.
Sounds like this video was made by either GEICO or State Farm. Never used GEICO, but State Farm sucks. It’s s rip off.
All links lead to the same big fat companies
Sad that I have a freeze on my credit and that is why my insurance is high.
When you say you have a freeze on your credit, I assume you are talking about a credit report freeze, a credit report lock down or security freeze, which allows an individual to control how a U.S. consumer reporting agency (Equifax, Experian, TransUnion, Innovis) is able to sell his or her data. This is something you control. If the information is needed by your insurance company, it is up to you to share it with them or pay a higher premium.
vacationboyvideos
Same it ruins my life
Kevin Hunter well...I looked into this local Insurence and the lady quoted a high rate!!! Never said it was the system might saw... She then asked me if I had very low credit and I said no at all!!! 784!!! But we then figured out it was because of my freeze...my identity was stolen 3 yrs ago and I just can't afford to have it open now. Even a fraud alert does not stop an inquiry (s)
4am Curiosity yes I have it!!! Hate it!!! Jump threw hoops unfreezing it for credit cards
As someone who sets up initial claims for insurance, this is a pretty solid basic explanation and I wish everyone who called knew this stuff beforehand.
autoinsurancenod.info/category/car-insurance
In reality insurance companies is a huge scam in real life.
Yea it’s a scam until you get in an accident...
Ensure your deductibles are boosted and Practice carpooling so the car has less miles run which will reduce the premium further. Checkout the tips on www.floridainsurancenow.net/florida-auto-insurance/#saveOnCarInsurace
There is an age-old axiom, you get what you paid for. I work for Allstate, EVERY client I speak to I spend time with talking about coverages and how they can impact your life. I cover every bit of the policy in fine detail so my customers know exactly what they are buying. Ask yourself this, if you were in an accident and it was your fault and one person was killed and one person was seriously injured and had to spend 10 days in the hospital, are you protected? If you do not know the answer to this simple question.......GET A NEW AGENT, they have failed you as a customer. All of my clients get my personal cell number. I tell them I do not care of it is 2am, if they are in a wreck CALL ME....not our 800 number. I have a laptop I take with me everywhere. I am available to my clients 24/7, and a lot fo them text me simple questions and enjoy the fact that they can get in touch with Dave The Allstate Guy anytime they need to.
Every time you get in a car, ALL of your assets are in the trunk of your car. Your house, retirement, investments, children's college funds, future earnings. When you got your auto insurance if your agent didn't spend time with you finding out what your current life situation is.....get a new agent. They failed you as a client!
In closing shopping for the absolute lowest cost in anything is never a good strategy. Shopping for the best value is always the best way to go.
all car insurance companies are thieves, i have all state car insurance and they raised the premium from $140 monthly to $160 I have clean record, they are legal thieves, im sick and tired of them.
@@godschild5587 I am sorry that you feel that way, I would suggest that you need a new insurance company. If they have not done a job explaining to you how your insurance protects you and your family every time you get in that car, then they have failed you.
There are a couple of possible reasons why your rates went up. First rates are determined by the law of large numbers. Meaning your rates are determined by lumping all the people in your age bracket, gender bracket, where you live, marital status....and a slew of other things. The law of large numbers allows insurance companies to more accurately predict risk levels and estimated payouts. So just because YOU have a clean driving record, everyone in your pool of people may not have. Crime could have gone up in your neighborhood which increases the risk...the more risk the more premium you will have to pay. A natural disaster may have happened like the Hurricanes we just had. If there was a huge amount of claims for both auto and home, rates go up.....more risk, more claims equals higher premiums.
I suggest that you look into companies that offer usage-based discounts and bonuses. For example, Allstate has a program called Drivewise, it runs on your mobile device and rewards you for good driving behavior. In the state of West Virginia you can earn back 25% of your premium in cash rewards that you can have them apply to your bill or send you a check. So if your premium was $1000 for 6 months using drive wise you would only pay $750.
Your credit rating might have taken a hit, statistics show that people with lower credit ratings tend to file more claims, so if your policy was renewed recently and your credit rating took a hit that could explain the rise in premium.
Theokolese The Shadow Of Death my Allstate premium more than doubled when I renewed my policy. Apparently my lack of credit history coupled with me financing a car for the first time threw up a red flag. Part of me gets using credit as a risk calculator but I feel like 20 years of accident free real world driving with zero moving violations and zero claims should carry more weight. While I don’t like paying more than originally quoted what really burns me is being categorized as higher risk. I’m curious to see what happens when my next policy renewal comes due. The folks at my local Allstate office were friendly and helpful when I went to them with questions about my policy but nobody there was able to explain my rate increase being tied to credit. I did get a letter from Allstate about a month later explaining the change.
@@snobjs81 Have you asked them about Drivewise? It is a great way to earn back a portion of your premium in cash rewards. I don't know what state you live in but WV drivers can earn up to 25% back. Do you just have the one policy or do you have renters/homeowners as well? With Allstate the biggest discount is going to be through the multiple policy discount.
DO NOT USE ONE OF THOSE CHIPS IN YOUR CAR. They track where you go, stop and stay then sell the data.
The phone app? That should be okay
LeaveLeague it does the same thing just with less accuracy.
@@ryand1683 how can they track you when you can turn off location and its an app?
LeaveLeague if you are connected to the internet they can track you. They may not be allowed to track your phone directly but they can see what your phone has connected too. If they know where the device is that your phone is connected they can get a ruff location. For example you go into a target and they have WiFi. If you connect they know where you are but, even if you don’t contact to the WiFi, it can still see that there is a device in the target. It’s not as accurate but they can still get a ruff idea of where you are going.
@@ryand1683 this aint no malware what are you syaing.
good comercial lol
DO NOT PURCHASE YOUR INSURANCE FROM RIGHT CHOICE INSURANCE BROKERS (RCIB)THEY ARE SCAMMERS
Thanks for the heads up! Check out lowcostcarinsuranceprices.com and let us know what you think of these guys. You are connected to every major insurance company in any city or state across America. Love to hear your feedback after you visit their website. Because we think they do a good job of helping consumers as we suggest on the video, we decided to link their website in the description above.
Thank you, I will do
Kevin Hunter server could not be found
I count insurance a necessity for any accomplishment. I started out insuring my investments through my broker Norman Watson. I earn quite well; 90 to 120% weekly, and very well secured from wreckage.
sounds like you've got it all laid out.. was wondering.. so I've been looking to get down into some e-investments. How do you earn from this Norman Watson.. what does he do for you.. can't help noticing reviews about him a bit frequently...
Very well organised. Great call on Norman too. I occasionally run trades with him. Stocks and crypto alike. I see his technique as best for long run returns. 👌
I'm a fan of proactive investors..... : )
Thanks very much guys. Especially my fellow investors. I must say I never thought the stock market would turn out this profitable and secure. I'm all insured; thanks to Forte Impero Assets. Anyone who needs more intel on investments from my broker, Norman can talk things over with him in Geneva from anywhere;
**watson.eco@Gma il. com**. He's always on Standby.
😍🤗😍💪💪 i am with u on Norman..i believe he's a great guy too..ive been on the market with mr Norman for 3 months..and ive experienced only one setback out of 8 consecutive wins..
not good
wakakaka
Dont wachach this
Useless
Well, sleep on it and hopefully you'll feel better about yourself tomorrow.
good job
nice
good