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Coverage to consider when buying a new car

By Citizens Insurance

Michigan New Car Insurance
(Photo by Getty Images)

Click here or call (810) 653-2602 to request an auto insurance quote

Thinking about purchasing a new car? That can be very exciting. However, before you drive the vehicle off the lot, there's one person you should definitely call – your independent insurance agent. Your agent can help ensure you have the right auto coverage to protect your new ride.

Don't leave the lot without them

While these may not sound as cool as heated seats or a moonroof, you'll be glad you have these coverage options should you get in an accident.

New car replacement guard

if your new car is totaled within one year or 15,000 miles of purchase, this coverage replaces it without deduction for depreciation. Buy (or lease) with confidence.

Original equipment manufacturer (OEM) replacement

this coverage offers original replacement parts for your damaged car, from the manufacturer, for the current and previous two model years of your vehicle. Don't settle for used or lower quality parts.

Deductible dividends

now that you are behind the wheel of a new car, you will likely be a little more careful. Many insurance companies, including The Hanover, reward safe drivers with deductible dividends. Each year you're accident-free, you receive $100 off your deductible, up to $500.

Rental coverage upgrade

rent as nice as you own. If your new car ends up in the garage because of an accident, you'll be able to upgrade your rental car to a luxury or large SUV while your car is being repaired. And don't forget: if you've taken out a loan, your bank will probably require you to upgrade your policy to full coverage if you only have liability.

Get that "new insurance" smell

A new car will probably mean new coverage. When you're ready to shop, contact your independent insurance agent for guidance on the best combination of coverage, value, and price.

Want to prep for your call? Explore the Insurance Information Institute's auto insurance terminology guide.

Disclaimer: This article is provided for informational purposes only and does not provide any coverage. It does not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice.

Other Insurance Products offered at The Fulcher Group:

Homeowners Insurance

Renters Insurance

Motorcycle Insurance

Watercraft Insurance

Umbrella Insurance

Small Business Insurance


Original article shared here

Offering Michigan Auto Insurance Davison, Burton, Flint, Fenton, Beecher, Flushing, Grand Blanc, Swartz Creek, Linden, Mount Morris, Clio, Argentine, Genesee, Michigan, and surrounding areas.

329 N State Rd, Davison, MI 48423

(810) 653-2602

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