Follow These Insider Tips for Lower Hempstead New York Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, many Hempstead consumers feel financially strained by their auto insurance policy. Consumers have many insurers to pick from, and although it’s a good thing to have a selection, too many choices makes it more difficult to find the lowest cost provider.

Compare Quotes for Hempstead Auto Insurance

Lowering your auto insurance rates is surprisingly easy. Consumers just need to spend a few minutes comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to compare a lot of rates at once is a comparison rater form click to view form in new window. This form keeps you from doing separate quotation requests for every auto insurance company. One quote request will get you rate comparisons instantly.
  2. A more time consuming way to compare prices consists of going to each company’s website and complete a new quote form. For sake of this example, let’s assume you want to compare Progressive, Esurance and Farmers. You would have to visit each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in Hempstead, click here.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverages and limits for every company. If you compare different liability limits it will be very difficult to truly determine the lowest rate in Hempstead.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be requested specifically in order for you to get them. If you don’t get every credit you deserve, you are paying more than you should be.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you may earn at least 10% off all policies.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% with certain companies.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Clubs and Organizations – Participating in a qualifying organization could qualify you for a break on your policy.
  • No Claims – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
  • Paperwork-free – A few companies may give you up to $50 for buying your policy over the internet.

Keep in mind that most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free auto insurance policy, companies wouldn’t make money that way. But all discounts will bring down your premiums.

To choose providers with the best auto insurance discounts in New York, click this link.

More information is located on the website for the New York Department of Financial Services located here. Consumers can file complaints about an insurance agent or broker, report car insurance fraud, learn about insurance regulations, and learn about specific coverages.

Also read more on this page for auto insurance prices in New York and this list of insurance agents in Hempstead, NY.