Strategies for Lowering Your Yonkers New York Auto Insurance Rates

Buying the most affordable Yonkers auto insurance on the web may be rather challenging for consumers not familiar with price shopping online. Since there are so many choices, how can you have a chance to compare them all to find the cheapest rates?

Compare Yonkers Auto Insurance Costs

Effectively comparing auto insurance prices can be exhausting if you don’t know the fastest way to get free quotes. You can spend your afternoon talking to insurance agencies in Yonkers, or you could save time and use the web to get rates in a matter of minutes.

Many insurance companies participate in an industry program where insurance shoppers enter their policy data once, and every company then gives them pricing. This saves time by eliminating quotation requests for each company you want a rate for.

To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of form is that you can’t choose which carriers to get pricing from. If you wish to select specific insurance companies to compare prices, we put together a list of companies who write auto insurance in New York. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same quote information with every price quote. If you enter higher or lower deductibles it’s not possible to find the best deal in Yonkers.

Everyone needs different coverages

When choosing adequate coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether or not you would benefit from professional advice.Yonkers NY auto insurance

  • Am I covered by my spouse’s policy after a separation?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my teen driver covered when they drive my company car?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy only the required New York minimum liability coverage?
  • Do I need motorclub coverage?
  • How high should my medical payments coverage be?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Won’t my local insurance agent miss me?

A small number of people would prefer to visit with an insurance agent and that is OK! Insurance agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of price shopping on the web is that you can obtain the lowest rates and still have an agent to talk to.

To help locate an agent, after submitting this simple form, the coverage information gets sent to companies in Yonkers who will return price quotes for your insurance coverage. You won’t need to drive around since price quotes are sent to the email address you provide. How’s that for easy!

Deciding on an insurance company should depend on more than just the premium amount. Any agent should be forthright in answering these questions:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they make recommendations based only on price?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • How much can you save by raising your physical damage deductibles?
  • Does the agency provide any after hours assistance?
  • If you have an accident, will your rates go up?

Captive agents vs. Independent agents

When researching a good insurance agency, you must know there are a couple different types of agents that you can select. Agents are classified as either independent or captive. Both write coverage properly, but it’s worth learning the difference between them because it can influence the selection process.

Captive Insurance Agents

Captive agents have only one company to place business with such as Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so keep that in mind. Captives are very knowledgeable on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to choose to use a captive agent mostly because of high brand loyalty and strong financial ratings.

The following is a short list of captive agencies in Yonkers who may provide you with comparison quotes.

  • State Farm Insurance – 35 E Grassy Sprain Rd # 100 – Yonkers, NY 10710 – (914) 961-5774
  • American Family Travel – 676 Saw Mill River Rd – Yonkers, NY 10710 – (914) 375-1700
  • Allstate Insurance Co – 38 Larkin Plz – Yonkers, NY 10701 – (914) 375-5100
Independent Agents (or Brokers)

These agents are not locked into one company but rather can write business amongst many companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. When comparison shopping, it’s recommended you get quotes from several independent insurance agents for maximum quote selection. Most have the option of insuring with lesser-known insurance companies which may provide better rates.

Below are independent agents in Yonkers willing to provide rate quotes.

Yonkers NY auto insurance

  • Steiner Agency Inc – 569 Kimball Ave – Yonkers, NY 10704 – (914) 237-4112
  • DCAP Insurance – 6 Mall Walk # K-A – Yonkers, NY 10704 – (914) 968-7101
  • Mayfair Agency Inc – 893 Mclean Ave # 1 – Yonkers, NY 10704 – (914) 237-7700
  • Victory Insurance – 6 Xavier Dr # 302 – Yonkers, NY 10704 – (914) 375-2240
  • Bongiorna Agency Inc – 570 Yonkers Ave – Yonkers, NY 10704 – (914) 965-1110

To view a complete directory of insurance agents in Yonkers, simply jump to this page.

Once you have received acceptable answers to all your questions and locked in a price quote, it’s possible that you found an auto insurance agent that will service your policy.

Additional resources for New York consumers

Additional detailed information can be found at the New York Department of Financial Services website. New York drivers can view a list of available companies, file complaints about an insurance agent or broker, and read consumer alerts.

The articles below may also help you learn more about auto insurance in Yonkers