WEDNESDAY, JUNE 16, 2021
Whenever you buy a new car, your dealer is probably going to tell you that you need to insure the vehicle. Some will even offer to sell you a policy right there in the office. You might feel tempted to just sign up and be on your way. After all, it will save you a lot of hassle, right?
Don’t fall for this line of thinking.
Yes, you need to insure your new vehicle as expediently as possible, but to simply buy any policy your dealer offers could mean that you are selling yourself short on a lot of benefits, and you might be paying a lot more than necessary to achieve adequate coverage.
You have the freedom to choose the auto insurance policy that is best for you, and your dealer’s quick-fix options might not fall into that category. Rather, you should feel confident and supported when picking your coverage, which is why it never hurts to take the time to contact Lupton & Luce Insurance. We can ensure that you make the best investment in your coverage for your long-term needs, rather than shunting you into an expensive short-term fix.
Why Dealers Offer Insurance
Under New York law, all drivers are required to purchase auto insurance before they can register their vehicles and drive legally. Therefore, before you can drive your new vehicle off the lot, you must have insurance on it. Failing to carry coverage means you will face legal penalties if you drive uninsured. Most dealers will make you aware of this fact, as they don’t want to assume liability of a customer driving off the lot uninsured.
However, some dealers offer to make the process easier for you by offering to help you enroll in an auto policy themselves. Some will even have licensed insurance agents on site to help you enroll in a policy.
If this is the case, don’t jump at the opportunity without first stopping and thinking about what could go wrong. In many cases, you’ll get a lot further by saying let me call my personal insurance agent first.
By simply buying a policy offered by the dealership, you might be denying yourself the opportunity to get the coverage that is best for you.
In many cases, you can bundle your auto policy with the same insurer that offers you your other policies, such as your homeowners or renters insurance. This could even help you get a policy discount overall. If you were to simply buy your policy from the carrier the dealer offers, then you might be denying yourself a chance for savings.
Were your dealer to offer you a policy, then that policy might not realistically be the policy you need. Certainly, it might help you get coverage quickly and meet the minimum mandated coverage requirements. However, only by working with an independent insurance agent, can you truly find the plan that is best for you?
All auto policies must offer all the coverage required to allow you to legally drive, so there is no difference between one policy and the next when it comes to basic terms. However, where there is a difference is when it comes to both extra coverage and the value of the policy. When you work with one of our agents, we can not only help you deduce which benefits are best for you and your vehicle, but
also compare numerous policy options, across insurance carriers, to help you pinpoint the one that offers you the best savings potential. That way, by going your own way with your insurance coverage, you will be opening yourself up to a much wider range of choices.
Trading Your Car? Your Existing Coverage Might Continue to Insure You
When buying a new car, you have options when it comes to getting the right insurance. Take the time to contact Lupton & Luce Insurance as soon as you make the decision to buy. We can make sure you can walk into your dealership armed with the tools you need to drive away insured. when it comes to getting the right insurance. Take the time to contact Lupton & Luce Insurance as soon as you make the decision to buy. We can make sure you can walk into your dealership armed with the tools you need in order to drive away insured.
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