Tightwads Guide to Saving on Ardsley Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say you're not the only one. Since consumers have many choices, it's nearly impossible to find the lowest price company.

It's important to shop coverage around every six months because prices are constantly changing. Even if you think you had the lowest price a few years ago you can probably find a better price now. There is a lot of wrong information about auto insurance on the internet, so we're going to give you some great ways to quit paying high auto insurance rates.

Tips to Get Lower Ardsley Rates

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get lower auto insurance prices.

Consolidate policies to earn discounts - Some companies give discounts to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to comparison shop to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.
Liability coverage is cheap - Your policy's liability coverage provides coverage in the event that you are found liable for personal injury or accident damage. It will provide legal defense starting from day one. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
Extra add-on coverages are wasting money - There are quite a few extra coverages you can purchase when buying auto insurance. Things like roadside assistance, better glass coverage and additional equipment coverage are examples of these. These may sound like a good investment initially, but now you might not need them so remove them from your policy.
Cautious drivers pay less - Your driving record has a big impact on rates. Drivers who don't get tickets get better rates than their less careful counterparts. Just one moving violation can bump up the cost forty percent or more. Drivers who get dangerous violations like DUI or reckless driving may be required to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
Marriage pays dividends - Having a wife or husband helps lower the price when buying auto insurance. Marriage translates into being more responsible and statistics show being married results in fewer claims.
Higher safety ratings means cheaper insurance - Cars with high safety ratings are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity means lower claim amounts passed on to you as lower rates.

Save big with these discounts

Companies don't list every available discount very well, so we researched both the well known and also the lesser-known auto insurance savings. If you don't get every credit possible, you are paying more than you should be.

Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
Organization Discounts - Being a member of a professional or civic organization could qualify you for a break on your policy.
Safety Course Discount - Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
Discount for Good Grades - This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
E-sign - Certain companies may give you up to $50 for buying your policy online.
Low Mileage - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

To choose providers with discount auto insurance rates in New York, follow this link.

Auto insurance ads bend the truth

Consumers in New York can't ignore all the ads that promise big savings from the likes of Allstate and Progressive. All the ads say the same thing about savings if you change your coverage to them.

But how can every company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the type of customer that makes them money. For instance, a preferred risk might be between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and most likely will save a lot of money.

Drivers who fall outside this ideal profile will be charged a higher premium which usually ends up with the customer not buying. The ads state "customers who switch" not "people who quote" save that much money. That's the way companies can truthfully advertise the way they do. That is why you should get a wide range of price quotes. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Learn more about New York auto insurance

Even more information is located at the New York Department of Financial Services website. Visitors are able to read consumer alerts, find out which companies have the most complaints, discover disciplinary actions, and file complaints about a company.

Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Ardsley agent directory.

Best coverage at the best price

When shopping online for auto insurance, don't be tempted to buy poor coverage just to save money. Too many times, someone sacrificed collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Cheaper auto insurance is attainable both online as well as from independent agents in Ardsley, so you should be comparing quotes from both to have the best selection. Some auto insurance companies don't offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

We covered many ways to save on auto insurance. It's most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from some of the smallest insurance companies. Some small companies may cover specific market segments cheaper than their larger competitors like .