Things to Keep in Mind When Buying a Car

Buying a new car is an exciting time — but it can also be stressful. After all, you’re trying to get the best deal while also deciding on the make, model and features you need. It’s a big decision! 

Here at The Wurzel Insurance Agency, we can’t really help you become a master negotiator when it comes to buying a car. But we can give you some things to consider when you’re looking around the lot — and when you’re trying to answer the age-old question: New, or used? 

New cars

Ah, that new-car smell. It’s a bit of a cliché, but it’s one of the things people love most about climbing into a brand-new car. And while they make air fresheners that supposedly give you that same smell for your used car, it just doesn’t seem the same, does it? Still, there are other benefits to buying new — and, of course, there are drawbacks as well.

  • PRO — maintenance: Some manufacturers offer free scheduled maintenance for a set period of time after you buy the car, and you likely won’t need a new battery, tires, etc., for several years after your purchase.
  • PRO — peace of mind: Your new car may have a warranty for up to 10 years, and also is covered by “lemon laws” that could allow for a replacement or refund if the car has serious defects.
  • CON — cost: Depending on the make and model, buying a new car is almost always more expensive (at least in terms of the purchase price) than a used car.

It’s also worth noting that if you purchase a new car in its first model year (meaning it’s a new model for the automaker), there won’t be many user reviews available, and data on reliability and repairs will be limited. In addition, sometimes newly introduced cars have some kinks that generally are ironed out by the second and third model years. These aren’t necessarily serious issues, and the warranty should cover them, but in some instances, you and your car could be headed to the shop more than you’d like.

Used cars

Don’t care about the new-car smell? Looking to save some money on your purchase? Well, a used car might be right for you. There are many advantages to buying used, but you’ll want to be a little more careful. After all, it’s hard to know exactly how well the previous owner treated the car. But you can limit your risk with a little bit of work.

  • PRO — cost: New cars depreciate quickly after they’re purchased. By buying used, you’re letting someone else take that financial hit over the first few years of the life of the car.
  • PRO/CON — reliability: Buying a used car is less of a gamble than it used to be, particularly with the advent of “certified pre-owned” programs many automakers now offer. However, used cars generally don’t carry the same warranties as new cars, even though the original manufacturer’s warranty is usually transferrable to a second owner.
  • CON — maintenance: While a used car theoretically shouldn’t need more frequent maintenance than a new car, you’ll likely need to replace things like tires, headlights, etc., earlier. And scheduled maintenance probably isn’t covered by the automaker. 
  • PRO/CON — history: You’ll need to check the car’s title history to make sure it hasn’t been in a serious accident or salvaged. Ask the dealership to provide this information, usually from Carfax.

Of course, whichever car you purchase, the important thing is that it’s a good fit for you. Bear in mind that certain makes and models can result in higher insurance costs for you, so feel free to check in with us before you buy. 

Have fun shopping — and we’ll see you on the road!

5 Tips for Motorcycle Driving Safety

Oviedo FL has the perfect weather for motorcycle riding. However, there is danger lurking on the streets if you don’t use caution when riding your motorcycle. At The Wurzel Agency, we have put together five tips that will help keep you safe on the Oviedo, FL streets and highways. 

1. Drive Defensively

As a motorcycle rider, you’re exposed and vulnerable to other drivers. Sometimes they can’t see you and you always have to keep this in mind. In fact, almost two-thirds of motorcycle accidents occur because a driver violated the right of way, typically by not noticing the motorcyclist. 

2. Wear a Helmet and Other Gear

Even if you’re running to the corner store for a loaf of bread, put your helmet on along with a face shield or protective eyewear. This will help prevent injuries to the face and head if an accident were to occur. Also, wear protective riding gear that will minimize injuries to other areas of your body. 

3. Drive Sober

The last thing you want is to ride your motorcycle impaired. This could be from medication, alcohol, or recreational drugs. The chances of causing severe harm to yourself or others by riding impaired go up exponentially when not riding at peak performance. This includes feeling sleepy. 

4. Follow Traffic Rules

Traffic rules are put in place for a reason. When they’re followed, this results in fewer accidents. Always do the speed limit and recognize that traffic laws change from state-to-state so it’s important to educate yourself before going on a road trip. 

5. Stay up to Date on Riding Safety

Take the time to enroll in a course or two that teaches strategies and techniques you can use to keep your ride safe and free from accidents. Contact your local DMV or community college for more information. 

To learn more about motorcycle safety tips and to purchase an insurance policy for maximum protection, contact The Wurzel Agency today.