You may be an experienced driver buying a car for yourself or a parent looking for the right car for your teen. Buying a car can be exciting — searching dealer lots or the Internet for the one with the most options for the best price in just the right color. Make sure your choice is safe and dependable — and then properly insure it — to prepare for unexpected events.
A new car, even if it’s used, is an expensive asset that is worth protecting. Car insurance protects you from the financial loss resulting from collisions, vandalism, theft and other situations where damage or injury may occur to you or others. If you are at fault, your car insurance can also pay for damages to the other vehicles. You’re even protected if you’re in an accident with someone who has little or no car insurance.
Remember, accidents and violations can affect the premium you pay for car insurance. Other factors in the cost include the make and model of your car and your age. Finally, your premium depends on the coverage you need and any discounts available to you.
Whether you own a compact car, pickup, recreational or commercial vehicle, Farm Bureau has car insurance to fit your needs. Here are some tips to keep in mind when buying a car:
Decide how much you can afford and how you will finance your car
Determine the type of car you need by thinking about how it will be used — to commute to work, for a young driver, on rugged terrain, etc.
Do your homework! Visit Web sites for dealers in your area to check on inventory, financing and to compare options
Test drive the car on different surfaces, trying all the car features
Call your insurance agent to compare the cost of car insurance between different models
Use our online car-buying calculators to help you compare costs.
Safety first for young drivers
Safety is a key concern for young drivers. Driving a car with distractions like multiple passengers, cell phones, text messaging, late-night driving and adverse weather conditions can be deadly. Setting guidelines can help keep your teen stay focused and safe. Start the conversation of safety behind the wheel by completing our Safe Driving Pledge with your son or daughter.
Being prepared and properly insuring your car with coverage from Farm Bureau can help protect you and your investment. Find an agent today.