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New Car Insurance and 4 Other Items to Consider When Buying a Vehicle



The process of buying a new car can be stressful. It involves a lot of big decisions, like what make and model to get, how much you’re willing to pay, whether you want new or used, whether to lease or buy, and many, many more.

Often, once you’ve made all your choices and you’re finally ready to pull the trigger on a new vehicle, you may experience a common phenomenon called car buyer’s decision fatiguea state where your brain is exhausted from the act of making so many choices in so little time.

Decision fatigue during a car buying experience is a risky state. According to New York Times, it can lead to impulsive purchases or hasty, last-minute decisions that you would never make if you were operating at full capacity. For this reason, experts suggest that you go into your final car buying experience prepared and armed with the tools you need to manage the trade rationally.

One of the most effective ways to prepare is to make sure you bring everything you need with you to the dealership. Below we describe the five important things you need when buying a car.

5 important things to take with you when buying a new car

1. Your driver’s license

Although it may seem obvious, it is important to bring your driver’s license with you when buying a car to confirm that you are a registered driver. Your driver’s license is also a quick and easy way to verify your address with the dealer when filling out paperwork. Other proof of residency can be recent utility bills or credit card statements.

2. Commercial documents

If you intend to trade in your current vehicle to get your new car, make sure you bring the necessary documents with you on the day you complete your transaction. These documents include the vehicle’s title, registration and relevant loan or lease information.

3. Financial documents

Bringing a couple of payslips when you complete your transaction is an easy way to verify your income. Consider taking a copy of your credit score with you to the retailer, as they will likely need to check it before processing your transaction.

4. Form of payment

When it’s time to complete your purchase at the retailer, make sure you bring the form of payment you intend to use, whether it’s a credit card, check or cash. You will also likely need to give the dealer a down payment. Find out how much they require for a down payment by contacting the dealer’s finance department.

5. Insurance certificate

The dealer will most likely require proof of insurance before letting you drive off the lot with your new vehicle. Be sure to call your independent agent before completing your purchase to add your new car to your auto policy and then bring a copy with you when you go to complete the sale.

Remember: The dealer may offer to call your agent for you, but this can be complicated as your agent may need to verify with you to get the change processed first. Avoid complications by kindly declining the dealer’s offer and handling the change policy yourself.

It is also recommended that you always have proof of insurance in your car, so make sure to keep a copy with you even after you have purchased your vehicle.

Buy a new car as centrally insured

If you have one personal or commercial car policy with Central, the insurance aspect of buying a new car is easier than ever.

First through yours myCentral account, you can quickly and efficiently request changes such as adding a new vehicle to your existing policies. You also have access to your policy in myCentral at all times, meaning you never have to worry about bringing a physical copy to the dealership or keeping it in your vehicle.

There are also levels of cover through Central’s personal car policies which protect new car buyers specifically. For example, Summit Repair and Replacement coverage ensures that if you are involved in a covered collision loss with another vehicle within the first year of your new car purchase, Central will pay the lesser of the cost to repair or replace your damaged car with a new one car.

Did you know? Central offers many discount and credit possibilities for car insurance holders. Explore them all and see if you can lower the price of your insurance today.

Central’s car policyholders also have access to our roadside assistance services. These include towing, tire changing, winching, fluid supply, jump start and brake assist. With these services at your disposal, you can drive your new car with the peace of mind that, no matter what happens, Central has you covered.


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