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Getting a new car is one of the best feelings in the world.  You can’t wait to get in and show everyone you know. That car payment stings a bit, but having a car payment is a necessary evil sometimes, but it doesn’t hurt as much as car insurance can.  When your car is brand new you will have the highest insurance cost for that car.  You need to carry collision due to the car being financed.  Collision is an option that can be dropped once the car is paid off and older.

Because of the cost of car insurance policies, some insurance companies have gotten a bad rap.  I personally experienced this when I bought a new Mustang.  I was paying $128 a month for my PT Cruiser but the new insurance rate with the same company was $280 a month!  I tried to lower the payment by adding renter’s insurance and taking a safe drivers course that gave a discount.  $280 was as low a number as I could get them to.  I had been with this company for about 10 years, but decided to switch.  I’m now back paying $128 a month with a competitor.

There are so many insurance companies out there now.  Many new companies are popping up.  They aren’t as well known or established as some that have been around for years, but the offer lower prices.  When you are shopping for insurance, remember to check out these companies as well.  Some of them are affiliated with insurance companies that are more established. Price out the appropriate coverage for your needs.  Don’t add insurance you don’t need or underinsure yourself.  Check to see if your state has minimum requirements on how much insurance you need to carry.

When calling your insurance company regarding your policy, always have your policy number handy.  They may also be able to look up your account by your phone number.  It’s a good idea to go over your coverage occasionally during the year so you can be ready to change policy options if you need to when your new policy starts.

Remember that the insurance company wants your business.  State what your needs are.  If the company is unwilling to work with you, keep calling other companies.  You’ll find one that is a perfect fit for you.  It won’t do you any good to have an insurance premium so costly that you can’t afford to drive the car.