Buying Your First Car? 2 Things You Need To Do

Insurance Blog

If you are buying your first car, you are likely very excited. There are things that you will need to do, however. Below are two of these things so you can start enjoying your new car.

Get Car Insurance

It is the law in most states to have car insurance. Because of this, getting insurance should be the first thing you do after buying your car. Liability insurance is available, which will only protect the other driver if the accident is your fault. If you purchased a car that did not cost a lot of money and you could easily replace it, then liability insurance may be a good idea. Liability insurance will cost you much less than other types.

Full-coverage car insurance is another option. This type covers both you and the other driver no matter who was at fault for the accident. For example, if someone else caused the accident but was claiming they did not, your insurance company would go ahead and pay you for your car, repairs to your car, or medical bills. Your insurance company would then sue the other driver's insurance company if the accident was deemed to be their fault. Your premiums will be higher with full coverage. If your car is expensive and you could not easily replace it, full coverage is your best choice.

Set Up a Maintenance Schedule

Even if your car is brand-new, you still need to go ahead and set up a maintenance schedule. This is the perfect time, as the dealership can tell you when everything should be done. For example, how often you need an oil change will depend on the type of oil that you have. Your car will also periodically need a tune-up. A tune-up involves changing out the spark plugs and spark plug wires. If there are problems with the spark plugs, you will notice your car does not have as much power.

Maintenance also includes inspecting your tires, including making sure each one has enough air and checking how much tread is on the tires. You also may need to have the tires rotated. All fluids will be checked, such as the brake fluid, transmission fluid, and more. The lights on your car will be checked, the battery tested, and engine air filter checked. The mechanic will check your brakes to make sure they are in good shape. 

Your insurance company can go over the different types of insurance in much more detail.  


14 December 2020

Preparing for the Future

Ten years ago, I married my best friend in a beautiful, intimate ceremony. My husband and I have been nearly inseparable and we’ve enjoyed this special time in our lives where it has been just the two of us. However, we’re finally ready to have a baby. Because I only work part-time, my husband is the primary financial provider in the family. If something ever happened to him, I wouldn’t be able to instantly support myself and a child. Because my husband worries about an uncertain future, he is considering purchasing a larger life insurance policy. On this blog, I hope you will discover the best types of life insurance policies for young parents to invest in. Enjoy!