Is Your New York, NY Car Insurance Too High? Start Saving Today

Price shopping your New York car insurance can be a challenge for consumers not familiar with shopping for insurance online. Drivers have so many options that it can be a real challenge to find lower rates in New York.

It is always a good idea to price shop coverage once or twice a year since rates are usually higher with each renewal. Even if you think you had the lowest price a year ago there may be better deals available now. There is a lot of bad information regarding car insurance on the web, but by reading this article, you’re going to learn a lot of great tips on how to slash your car insurance rates.

Finding affordable coverage in New York is not that difficult. In a nutshell, every vehicle owner who is shopping for car insurance will most likely be able to find lower rates. Nevertheless, New York drivers do need to know how the larger insurance companies market on the web and use this information to your advantage.

Are you getting all your discounts?

Companies that sell car insurance don’t list all available discounts very well, so we break down both the well known and the more hidden car insurance savings.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accidents.
  • Defensive Driving Course – Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Life Insurance Discount – Larger companies have better rates if you take out life insurance.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck.

For a list of insurance companies who offer car insurance discounts in New York, click here to view.<img class="alignright" style="padding-top:15px" src="" alt="New York NY insurance quotes” />

Compare New York Car Insurance Costs

When shopping for car insurance there are multiple ways to compare rate quotes from local in New York, NYcar insurance companies. The fastest way to find the lowest rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method eliminates the need for multiple quote forms for every car insurance company. Just one form gets you coverage quotes instantly. Just one form and you’re done.

A different way to get comparison quotes is to manually visit each company website and complete a new quote form. For instance, let’s assume you want to compare Allstate, Esurance and Travelers. You would have to go to every website and enter your information, which is why the first method is more popular.

For a handy list of car insurance company links in New York, click here.

The hardest method of getting rate comparisons is driving around to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you have a need for the personal advice only provided by licensed New York agents. You can, however, compare online quotes and get advice from an agent in your area and we’ll cover that in a bit.

It’s your choice how you get your quotes, but ensure you’re using identical coverage information for every quote you compare. If the quotes have different limits and deductibles on each one you can’t possibly make a fair comparison in New York. Slightly different limits may result in a large different in cost. And when comparison shopping, getting more free quotes helps locate lower pricing.

New York car insurance

What is YOUR best insurance company?

Cost effective car insurance is available on the web and also from your neighborhood New York agents, and you should be comparing both so you have a total pricing picture. Some companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

In this article, we presented some good ideas how you can shop for car insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the best price on car insurance is with a small mutual company.

Insureds leave their current company for a number of reasons such as poor customer service, policy cancellation, lack of trust in their agent or even not issuing a premium refund. It doesn’t matter why you want to switch switching companies is less work than it seems.