Seven Shopping Strategies For New Car Buyers
Car Shopping Can Be Stressful
New car shopping can be a lot of fun, especially if you’re a car enthusiast. But others can find the experience stressful and tedious. Either way, there’s a lot to think about. According to a survey of car shoppers, overall purchase price is the most important factor when shopping for a new car (46 percent), followed by make and model (31 percent).
Safety and performance come in a distant third, tied at seven percent. But whether you’re turned on or turned off by the dizzying array of car choices, trim options, “expert” reviews, incentives and other deals, it definitely pays to approach car buying strategically.
So if you’re in the market for a new vehicle and you find yourself having trouble keeping a clear head, just keep these strategies, in mind:
- Decide how much money you can spend and what type of vehicle best suits your needs. Just looking for the basic transport capability of a small or medium sedan? Or do you need the hauling capacity of a van or SUV? Something practical? Something sporty? Something in between?
- Research crash tests and accident data available from the Insurance Institute for Highway Safety.
- Shop around for financing. If you can, apply for and get approval for a loan from a bank, credit union or other financier before you even visit the dealership. Being a “cash buyer” gives you an advantage when you do finally meet with the dealership’s financing person.
- Test drive the car. Try to drive in conditions that will be similar to those under which you’ll drive every day.
- Check pricing for your desired make and model at two or three dealerships and use that information to help you negotiate the best deal.
- Get a firm quote, in writing. This should include not only the cost of the car, but any fees and the sales tax.
- Inspect your new car carefully before driving off the lot. Make sure all the options you’ve ordered are included and that the body and paint are free of scratches or dents.
Finally, it’s important to consider the cost of auto insurance, although it seems that few people realize that what they pay for insurance can add significantly to the vehicle’s total cost.
Wise car buyers know to shop around for insurance and find out how costs compare. They also know to visit an independent insurance agency. We can check with several companies to find the best combination of coverage and price.
Seven Shopping Strategies For New Car Buyers
New car shopping can be a lot of fun, especially if you’re a car enthusiast. But others can find the experience stressful and tedious. Either way, there’s a lot to think about. According to a survey of car shoppers, overall purchase price is the most important factor when shopping for a new car (46 percent), followed by make and model (31 percent).
Safety and performance come in a distant third, tied at seven percent. But whether you’re turned on or turned off by the dizzying array of car choices, trim options, “expert” reviews, incentives and other deals, it definitely pays to approach car buying strategically.
So if you’re in the market for a new vehicle and you find yourself having trouble keeping a clear head, just keep these strategies, courtesy of <Agency Name>, in mind:
1. Decide how much money you can spend and what type of vehicle best suits your needs. Just looking for the basic transport capability of a small or medium sedan? Or do you need the hauling capacity of a van or SUV? Something practical? Something sporty? Something in between?
2. Research crash tests and accident data available from the Insurance Institute for Highway Safety.
3. Shop around for financing. If you can, apply for and get approval for a loan from a bank, credit union or other financier before you even visit the dealership. Being a “cash buyer” gives you an advantage when you do finally meet with the dealership’s financing person.
4. Test drive the car. Try to drive in conditions that will be similar to those under which you’ll drive every day.
5. Check pricing for your desired make and model at two or three dealerships and use that information to help you negotiate the best deal.
6. Get a firm quote, in writing. This should include not only the cost of the car, but any fees and the sales tax.
7. Inspect your new car carefully before driving off the lot. Make sure all the options you’ve ordered are included and that the body and paint are free of scratches or dents.
Finally, it’s important to consider the cost of auto insurance, although it seems that few people realize that what they pay for insurance can add significantly to the vehicle’s total cost.
Wise car buyers know to shop around for insurance and find out how costs compare. They also know to visit an independent insurance agency – like <Agency Name>. We can check with several companies to find the best combination of coverage and price.
To get a Progressive quote with <Agency Name>, visit progressiveagent.com or call us.
Disability Insurance
What is the 1 or most important insurance you can buy?
Usually, disability insurance or disability income insurance is something that we do not considered when we are shopping for insurance. We buy insurance for our cars, our boats, our houses, more importantly for our toys. However, we over look the facts. One of most important facts is that when we purchase an automobile insurance, we are really buying insurance for others drive, not for ourselves. If you disable someone, your policy pays for them.
Think about about this…
- Your auto insurance coverage goes to the other guy you hurt
- Where do you homeowners insurance coverage go? to the bank
- Your life insurance goes to your heirs.
On the other hand, your disability income insurance goes to you. Why? because you still an expense to your your family
When you purchase disability income insurance, you are protecting not only ourselves, but those that depend on us. If for some reason you can’t work, this will cover part of that income that you just lost.
Take a look at the chart below, it explains the risks of losses.
| Assets | Odds of Loss |
| Vehicles Totaled | 1 Out of 20 |
| House Burned | 1 Out of 100 |
| Boat Totaled | 1 Out of 15 |
| Disability | 1 Out of 3 |
Disability Insurance Quick Facts
- 90% of workers underestimate their chances of becoming disabled
- 56% don’t realize disability is on the rise
- 85% express little concern about suffering a disability
- 64% of workers unaware of what happens to 401(k) contributions if income stops
- 57% never discussed how they would financially manage a disability
As individuals, who depend on our income to support our families and ourselves, disability insurance is something that we should take in consideration. The reason why, is because you do not know whats going to happen tomorrow.
Fill out this short contact form and one of our disability insurance specialists will contact you in less than 24 hours.
For $24 get thousands of dollars for appliance repairs
Help is just a couple of dollars away.
One of Florey Insurance’s companies has equipment breakdown coverage; which covers:
- Washers + dryers
- Computer equipment
- Dishwashers
- Refrigerators + freezers
- Ovens + microwaves
- Heat pumps
- Heating + A/C systems
- Electrical service panels
- Home security systems
- Water heaters
- Well water pumps
- Bump pumps
- Surround sound systems
- Swimming pool equipment
- Televisions/plasmas/LCD
It’s a unique coverage that extends to all of your home systems + personal property due to loss by mechanical or electrical breakdown. The coverage is convenient, seamless and just $2 a month!
Family Protection
Protecting your family is important.
We understand the value of such a task. That is why we are here, to help you protect your family. To help you in your heroism quest.