Tightwads Guide to Saving on Andes Auto Insurance

Are you sick and tired of scraping the payment together each month for car insurance? You're in the same situation as many other drivers in New York. Because you have many companies and agents to choose from, it is hard for the average consumer to find the right company.

You have some control over your rates

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that could result in lower auto insurance prices.

Listed below are some of the items auto insurance companies consider when setting premiums.

Liability coverage is cheap - Liability insurance will protect you if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Safer occupants lowers premiums - Cars with high safety ratings can get you lower premiums. Safe vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
Careful drivers pay lower rates - Whether or not you get tickets has a big impact on rates. Only having one ticket can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
Consolidate policies to earn discounts - Most insurers will award you with lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to ensure the best deal. You may still be able to find better rates by insuring with multiple companies.
Low deductibles can be expensive - Deductibles for physical damage represent how much money you are willing to pay in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, collision with an animal, and burglary. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.
Where you live can impact rates - Being located in a rural area is a positive aspect when insuring your vehicles. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Lower population translates into fewer accidents and a lower car theft rate.
Your occupation can affect rates - Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, business owners and stock brokers tend to have the highest rates in part from high stress levels and lengthy work days. On the other hand, jobs such as farmers, students and homemakers receive lower rates.

Fast and Easy Andes Auto Insurance Quotes

All major auto insurance companies provide prices online. This process is quite easy as you just enter the amount of coverage you want into the quote form. After the form is submitted, the company's rating system will obtain information on your driving record and credit history and generates a price. This simplifies rate comparisons, but the time required to go to several different sites and type in the same information can be a bit repetitive. Unfortunately, it is important to perform this step if you want to find a lower rate.

The preferred way to find cheaper rates uses one form to get prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes online quotes much simpler. As soon as you send your information, it gets priced and you can choose any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and begin entering your coverage information. If you have your current policy handy, we recommend you input the insurance coverages as close as possible to your current policy. This makes sure you will have rate comparison quotes for the exact same coverage.

More discounts equal less premium

Companies offering auto insurance don't always advertise all available discounts very well, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If you don't get every credit available, you are paying more than you should be.

Organization Discounts - Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance.
Service Members Pay Less - Being on active duty in the military could mean lower rates.
Early Signing - Select companies give a discount for switching policies prior to your current policy expiration. This can save 10% or more.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Multi-car Discount - Having more than one vehicle with the same company qualifies for this discount.
Auto/Home Discount - If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.

A little note about advertised discounts, most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

To choose insurers offering auto insurance discounts in New York, click here to view.

Switch companies and save? Really?

New York consumers can't ignore all the ads for the lowest price auto insurance by Allstate, GEICO and Progressive. All the companies make an identical promise about savings if you switch to their company.

But how can every company make almost identical claims? This is how they do it.

All companies can use profiling for the driver that makes them money. A good example of a profitable customer could possibly be a mature driver, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications receives the best rates and therefore will save a lot of money.

Potential insureds who do not match this ideal profile must pay more money and ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. That's why companies can truthfully advertise the way they do. This illustrates why you need to get as many quotes as possible. It's impossible to know the company that will provide you with the cheapest rates.

Even more information can be read at the New York Department of Financial Services website. New York consumers can find out which companies have the most complaints, find disaster information, file complaints about a company, and read consumer alerts.

Other informative sites include this link for New York auto insurance quotes and this link which helps you find a Andes agent.

In the end, you save

Cheaper auto insurance is available online and also from your neighborhood Andes agents, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

You just read some good ideas how you can compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best price on auto insurance is with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as .