Learn the Secrets to Lower New York, NY Auto Insurance

Nobody looks forward to paying for auto insurance, in particular when they are paying too much. Many auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company to find the lowest rate

It’s important to compare prices quite often due to the fact that insurance rates fluctuate regularly. Even if you got the best rates six months ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the proper way to lower your rates without sacrificing coverage.

If you are insured now or need a new policy, you can use this information to get lower rates while maximizing coverage. Choosing the best insurance company for you in New York is not that difficult. New York drivers just need to know the most effective way to compare rates over the internet.

Cut your auto insurance rates with discounts

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but a few must be asked for prior to getting the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Driver Safety – Successfully completing a course in driver safety could save 5% or more depending on where you live.
  • Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
  • Good Students Pay Less – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of 20% or more.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you will save up to 20% off your total premium.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will help reduce your premiums.car insurance image

To see a list of insurers who offer auto insurance discounts in New York, click here to view.

Vehicle Insurance Comparison

Lowering your auto insurance rates is a fairly straight forward process. All you need to do is take time comparing rates online with multiple companies. This can be accomplished using a couple different methods.

  • The fastest way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating separate quotes for each company you want a rate for. One quote request will return price quotes from many national carriers.
  • A harder way to find lower rates is to take the time to go to each company website and complete a new quote form. For examples sake, we’ll assume you want to compare USAA, Safeco and Allstate. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. To view a list of companies in New York, click here.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same deductibles and coverage limits with each company. If you compare different limits and deductibles on each one it will be very difficult to decipher which is the cheapest car insurance in New York.

You are unique and your auto insurance should be too

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Every situation is different and your policy should reflect that. For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Do I qualify for additional discounts?
  • Which companies will insure high-risk drivers?
  • Is my cargo covered for damage or theft?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when driving a rental car?
  • How much underlying liability do I need for an umbrella policy?
  • Should I rate my vehicle as pleasure use or commute?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I have coverage for damage caused while driving under the influence?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

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And the best car insurance company is…

The cheapest auto insurance is possible from both online companies and with local New York insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

We just covered a lot of ways to compare auto insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Progressive and GEICO.