Just because your insurance company has been giving you some cheap auto insurance on your current vehicle, don't assume they will be just as competitive on a new vehicle purchase. Different companies charge different rates on different vehicles depending on the variables they place the most weight on.
Say if you are a family of three with only two vehicles, a young driver in your family may have only been rated as a part-time operator. With the addition of a third vehicle, most companies will force the young driver to be classified as a principle operator (three cars for three drivers), which could cause your insurance rates to skyrocket. The fact is, is that where your current company may have excelled with part-time, young driver rates, their insurance rates could go through the roof if your young driver is re-rated as a principle operator.
Whether or not you fit this scenario, it never hurts to shop around a little for the most competitive auto insurance quote before adding a new vehicle to your insurance policy. If you're happy with your current insurer because of great accessibilityor responsive claims handling, then maybe you won't care. But if you find out you could save yourself a few hundred dollars by changing insurance providers, then maybe it's time for a change.
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