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.
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.
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.
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.
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.
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:
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 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 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.
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.
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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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.