Beware of Buying Insurance from the Auto Dealer

 In Auto Insurance, Blog

When you’re buying a new car, all you want to do is get to the moment when you can Instagram the dealer handing you the keys, and then have your friend Snapchatting you drive out of the dealership and into the sunset. However, in your haste to sign the papers and get out of there, you have to have proof of auto insurance. Many carriers are seeing the benefit of allowing the auto dealer to sell insurance directly to their clients, but what’s best for the carrier isn’t always best for the consumer.

Buying insurance from the dealership

Don’t settle for the dealership policy when an independent agent can help you find a better policy.

Insurance from the dealer may be more costly

First of all, the dealer knows that you are distracted and that you want to show off your new whip. Offering you insurance on the spot may seem like the quickest way to get the process over and done – and what’s the harm? You need auto insurance to register your car, you can’t drive off the dealer’s property without registering, so why not just kill two birds with one stone and get the insurance straight from the dealer? First of all, don’t throw stones at birds. Second, you should always be skeptical of quick insurance solutions.

The auto insurance package sold by the dealership is often much more expensive than insurance you would find if you did a little independent research. The policy offered by the dealership may contain coverage that doesn’t pertain to your situation, so you are paying for something you don’t need. The dealer may use words like “comprehensive insurance,” but it may be overly comprehensive.

Talk to an independent insurance dealer about your options

Buying auto insurance from the dealer

Let an independent insurance agent research your auto insurance options to find you the best policy.

Before you buy any insurance, do your research. Talk to an independent insurance agent in your area that can help you research multiple carriers, comparing and contrasting policies, coverage options, and price. An independent agent has the luxury of being able to get to know you as a client so that they can personalize the policy and find auto insurance that specifically gives you the coverage that is right for your situation, not a one-size-fits-all policy that is going to be more costly than necessary.

Get the best auto insurance policy from a local independent insurance agent

AAI Central is an independent insurance agency located in Thornton, CO. With access to multiple A-rated insurance carriers, we’ll be able to help you make informed decisions about your insurance portfolio.

If you’re buying a new car in Colorado and need auto insurance before you drive it off the lot, talk to an AAI Central agent and get the best auto insurance policy for you and your new car.

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