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Do You Need Full Coverage on a Used Financed Car?

Pre-Owned Vehicles

When it comes to bringing home a new car to your Harvey driveway from our Ray Brandt Kia lot, there are many ways to do so. How you choose to purchase and insure your vehicle is up to you and your budget, but our finance experts are here to help you decide what is best for your lifestyle. 

Have you been wondering “do you need full coverage on a used financed car?” Read on below for more information on how to finance a used car, how many years can you finance a used car, and more. 


How to Finance a Used Car 

Hopeful Harvey car-buyers come to our finance department wondering “do you need full coverage on a used financed car?” Before we get into that, let’s cover the basics of how to finance a used car. Used car financing is available to those interested in such an option, but it does come with a few nuances you should be aware of. For example, when you finance a used car, you may: 

  • Get quoted with higher interest rates: this happens to offset the unpredictability of a used car’s resale value. 
  • See your insurance rates go up: used vehicles may not have the most advanced safety and driver-assistance features, or they may be more prone to mechanical issues. Because of this, your car insurance rates may be higher.

Otherwise, financing a used vehicle works similarly to financing a new vehicle. You should set a budget, be prepared to shop around Marrero for the best rates, and find the loan that’s best for you. 

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Do You Need Full Coverage on a Used Financed Vehicle?

So, do you need full coverage on a used financed vehicle, and how many years can you finance a used car? While most states do not require full coverage on a car, your loan provider may require it to protect their investment. As you shop around for the best loan, be sure to inquire what they stipulate for insurance coverage. 

How many years can you finance a used car? Again, this will be determined by the loan term you come to agree upon with your lender.


Rely on Ray Brandt Kia For Car Finance and Insurance Guidance

We’re committed to helping our New Orleans neighbors drive with confidence. With any other questions about used car financing, financing offers and incentives, or different types of insurance, contact us today. We are always here as a resource for your car-owner questions!


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504-356-7072

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1884 Westbank Expy • Harvey, LA 70058

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Open Today! Sales: 9am-6pm

Open Today! Service: 7:30am-3pm

Ray Brandt Kia 29.9007548, -90.0696402.