Posted by Patrick Moreau on October 16, 2022 in Automotive
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A full car or vehicle history can reveal if a car a dealer is selling has been involved in an accident. It may also reveal how severe the accident was and the damage caused. The full history may also show mechanical issues with the vehicle that were detailed after previous car inspections. Research like this may be included in the pre-purchase report. However, you will need to check this with individual mechanics offering pre-purchase inspection services.
Why is your credit rating considered? Michael Barry, senior vice president and head of media relations of the Insurance Information Institute, puts it this way: Many insurers use credit-based insurance scores. It’s a contentious issue in certain statehouses…[but] insurers will say their studies show that if you’re responsible in your personal life, you’re less likely to file claims. Regardless of whether that’s true, be aware that your credit rating can be a factor in figuring insurance premiums, and do your utmost to keep it high. Your credit card company or bank may offer free credit score access. You can check credit reports for free.
Conversely, the higher the deductible, the lower the premium. Ask your agent how your premium might be affected if you raised your deductible. It may make the annual premium better by several percentage points and put some money back in your pocket, or the savings may be minimal. If you are reluctant to file smaller claims to avoid the risk of pushing up your premium, raising the deductible may be a particularly sensible move. A driver’s record is obviously a big factor in determining auto insurance costs. After all, it makes sense that a driver who has been in a lot of accidents could cost the insurance company a lot of money. However, folks are sometimes surprised to find that insurance companies may also consider credit ratings when determining insurance premiums.
Each year it happens whether we like it or not, registration fees must be paid to the Nevada DMV. Each state has different fees when it comes to automobile registration and Nevada’s fees are on the higher end of the spectrum. While the actual registration fee is $33, government taxes can add a significant amount to that number. The basics: Nevada registration fees are based on 35% of the original MSRP. Essentially that ridiculously high sticker price on a new car. Let’s take a 2022 Honda Accord with an MSRP of $38K. Since 35% of $38K is $13,300 the DMV will use that number to calculate registration fees. Discover even more information at DMV registration services Nevada.