Buying a new car is an exciting experience; there is nothing like holding those new keys in your hands.
However, before you can drive your new car off the dealership lot, you must have car insurance.
Getting affordable car insurance is important; it can literally be the difference between getting your new car now or having to wait until your next paycheck arrives.
To get cheap car insurance, you must do your homework.
This means there is some research involved.
From your vehicle, get the license plate number, VIN number, and the car's make, model, year, and mileage.
Also, compile information on your driving history, such as any tickets or accidents you have received in the previous years.
This information is needed to request a free quote from an insurance provider.
When speaking with an insurance agent, it is important to remember that their goal is to make money; they want to sell you the most expensive coverage.
To keep the costs low, stand firm and insist on only getting the coverage you need.
This can be tricky because you want the right amount of coverage: too much means you overpay, but too little means you aren't properly protected in the event of an accident.
Another money saving suggestion for cheap car insurance includes speaking to your employer.
Some have programs that enable employees to get auto insurance for their personal vehicles through the company's main group account.
For you, this means a bigger discount.
Lots of times, these plans enable your insurance payments to be paid via direct deposit.
In the end, this money is taken out before taxes are imposed, meaning you save even more!