Easy Tips to Pay Less on Oyster Bay, NY Car Insurance

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us when we tell you there are many people just like you.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm constantly blast consumers with fancy advertisements and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

Don’t miss these discounts

Companies that sell car insurance do not list every available discount in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known ways to save on car insurance.

  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less than drivers with accidents.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • One Accident Forgiven – Certain companies permit an accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount depending on your company.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same car insurance policy qualifies for this discount.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of companies who offer car insurance discounts in Oyster Bay, follow this link.

Different people need different coverages

When it comes to buying coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can help discover whether you may require specific advice.

  • Do I need added coverage for expensive stereo equipment?
  • Do I need rental car coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • Should I sign the liability waiver when renting a car?
  • What is high-risk coverage and where do I buy it?
  • How high should my uninsured/underinsured coverage be in New York?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Quote online but work with a neighborhood agent

Certain consumers just want to buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of comparing insurance prices online is that you can obtain better rates but still work with a licensed agent.

Once you complete this quick form, the coverage information is transmitted to local insurance agents in Oyster Bay who will compete for your business. There is no need to drive around due to the fact that quote results will go to the email address you provide. Now that’s easy! It’s the lowest rates and a licensed agent to work with.<img class="alignright" style="padding-top:15px" src="http://www.findnewcarinsurance.com/wp-content/uploads/ci175-2.jpg" alt="Oyster Bay insurance quotes” />

Choosing an insurer requires more thought than just the premium amount. Ask your prospective agent these questions:

  • Are there any discounts that you might be missing?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Do they make recommendations based only on price?
  • How are they compensated?
  • Which insurance companies are they affiliated with?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Is the agent and/or agency licensed to do business in New York?

Oyster Bay car insurance agents are either independent or captive

When looking for a reliable agent, there are two types of insurance agents to choose from. Oyster Bay agents are categorized either independent (non-captive) or captive.

Captive Insurance Agents

Captive agents can only place business with one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so always compare other rates. These agents are well schooled on the products they sell which helps them compete with independent agents.

Listed below is a list of captive insurance agents in Oyster Bay willing to provide price quote information.

Allstate Insurance Co – 71 W Main St – Oyster Bay, NY 11771 – (516) 922-5025

Independent Agencies or Brokers

Independent agents are not locked into one company but instead can place your coverage with many different companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, you should always include at least one independent agent for the best price selection.

Listed below is a list of independent agencies in Oyster Bay that are able to give comparison quotes.

Brady Insurance Planning – 18 Spring St – Oyster Bay, NY 11771 – (516) 624-2684
Reardon Raplee Agency – 61 Audrey Ave – Oyster Bay, NY 11771 – (516) 922-6133
Insurance Plus – 55 E Main St – Oyster Bay, NY 11771 – (516) 922-1200
John Specce Agency Inc – 70 E Main St – Oyster Bay, NY 11771 – (516) 922-1060

For a complete listing of licensed insurance agents in Oyster Bay, visit this link.

save money in New York

Once you have good answers for all questions you ask as well as a affordable price, you may have just found an insurance agent that will service your policy.

Learn more about car insurance in New York

More tips and info about car insurance can be found at the New York Department of Financial Services website. New York consumers can find disaster information, find a variety of consumer forms, and get help finding coverage.

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Smart shoppers get results

Cost effective car insurance is possible both online and with local Oyster Bay insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

You just learned many ways to save on car insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising. Some small companies may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.