5 Tips for Buying a New Car
Posted by Lisa D. on January 4, 2017 in Auto Focus
Buying a new car? We are here for you! Whether you are a first-time buyer or an experienced purchaser, buying a new ride is a big decision. Here are 5 car buying tips to help make the journey a smooth one.

Buying a new car? We are here for you! Whether you are a first-time buyer or an experienced purchaser, buying a new ride is a big decision. Here are 5 car buying tips to help make the journey a smooth one.


1. Get Pre-Approved

If you are going to finance your new vehicle, check with multiple banks before going to the dealership. A pre-approved car loan will give you an idea how much you can afford. Also, you will have an interest rate to compare with the dealership's interest rate. To get pre-approved, visit a bank, credit union, or other lender. You can now apply for a car loan online with most lenders. Shop around and select the lender that works best for you.


2.Have a Budget

The purchase price of a vehicle is the largest expense, but isn’t the only factor to consider. The total cost also includes taxes, interest, registration fees, fuel, maintenance, and insurance. Go in with a fixed budget and stick with it.


3.Research Vehicles and Features

Determine the type of vehicle you want. After deciding on a sedan, truck, SUV, or van, use customer reviews, safety ratings, vehicle history reports, and recall notices to help narrow your search for particular makes and models. Also, learn about the different trim levels. Be honest about what features are necessary and which ones you are willing to pay more for.


4.Shop Around

Taking time to comparison shop is time well spent. Look at available inventory online and at dealerships, but still check out the vehicle in person. Get in and take it for a test drive. If other family members will be driving the new vehicle, they should test it out too. Where you purchase a vehicle is an important factor in the purchase process.


5.Contact Your Insurance Agent

Your new vehicle will be required to have auto insurance, especially if it is financed. Find out how much it will cost to insure your new car. A new vehicle may mean additional coverages, but it may also qualify for additional discounts. Make sure you will have coverage for your new car before you drive it off the lot. If you are replacing a vehicle, your current auto insurance policy may provide coverage for a limited number of days until you notify your agent of the new vehicle. If you are purchasing an additional vehicle, call your agent to have coverage in place before you drive it home.


Purchasing a new vehicle can be challenging, but getting new car insurance is easy with Acuity. Get a quote at www.acuity.com!

Lisa D.
Lisa D. has over 14 years of experience in the auto insurance industry, including 12 years at ACUITY. She obtained her P&C license and sold personal insurance for two years before starting at ACUITY, where she focuses on researching new auto coverages, helping with the auto pricing system, and leading auto insurance-related projects. On top of that, Lisa has her Association in General Insurance (AINS) and Associate in Personal Insurance (API) designations. Outside of work, Lisa enjoys cooking, photography, and spending time with her family. The last two go hand in hand, as she takes pictures of her kids every day.

Get a quote today and Achieve Total Acuity.

Posted By: Lisa D. on February 2, 2017 in Auto Focus
Winter weather can be tough on your vehicle. The cold temperatures bring snow and ice that you have to scrape off. On top of that, salt and sand are used to combat icy roadways. And we can’t forget the slush and snow that you and your passengers are bringing into your vehicle.
Posted By: Lisa D. on January 23, 2017 in Auto Focus
You may think that if you don’t own a car that you couldn’t possibly need auto insurance. That if you do drive your friend’s insurance will cover you, but this may only be the case for the car, not you and your passengers. A non-owner car insurance policy can be valuable if you occasionally drive a vehicle but do not own one. It can also satisfy legal requirements.