Tightwads Tips for Saving on Armonk Car Insurance

Expensive car insurance can empty your bank account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet. Consumers have many to buy insurance from, and although it's a good thing to have a choice, it can be more difficult to compare rates.

It's important to compare rates yearly due to the fact that insurance rates are constantly changing. Just because you had the best deal a few years ago you may be paying too much now. Starting now, ignore everything you know about car insurance because I'm going to teach you the only way to properly buy coverages and cut your premium.

Where Can I Get Cheap Armonk Car Insurance?

There are several ways to compare car insurance quotes, but some are easier and takes less work. You could spend your day driving to insurance agencies in Armonk, or you could save time and use online quotes to quickly compare rates.

All the larger companies belong to an insurance system that allows shoppers to enter their policy data once, and each company then returns a price quote based on that data. This saves time by eliminating repetitive form submissions to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The only drawback to comparing rates this way is you are unable to specify which companies you want to price. If you wish to select from a list of companies to compare rates, we have assembled a list of car insurance companies in New York. Click here for list of insurance companies in New York.

It's up to you which method you use, but make sure you use identical coverages and limits on every quote you get. If you have different deductibles it will be impossible to determine which rate is truly the best in Armonk.

You have some control over your rates

It's important that you understand the different types of things that go into determining the rates you pay for car insurance. Knowing what influences your rates enables informed choices that may reward you with much lower annual insurance costs.

Listed below are some of the factors car insurance companies consider when setting rates.

Rural vs Urban Areas - Residing in small towns and rural areas can be a good thing when talking about car insurance. Drivers who live in large cities have to deal with much more traffic and longer commute times. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
Bad driving skills means higher rates - Careful drivers have lower premiums than bad drivers. Even one speeding ticket can boost insurance rates by as much as thirty percent. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Older drivers save more - Youthful drivers in New York are statistically proven to be more careless when driving so they pay higher car insurance rates. Adding a young driver to your car insurance policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Consolidate policies to earn discounts - Most insurers will give a discount to insureds who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you still need to shop around to ensure the best deal.
Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. Both sexes have accidents at about the same rate, but the males cause more damage. They also receive more costly citations like DUI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.

Be sure to get all your discounts

The price of auto insurance can be rather high, but there could be available discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be manually applied prior to getting the savings. If you're not getting every credit you deserve, you're just leaving money on the table.

Life Insurance - Some companies give a discount if you purchase life insurance.
Bundle and Save - When you have multiple policies with one company you could get a discount of at least 10% off all policies.
Good Student Discount - Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.
College Student - Kids in college who live away from home and do not have a car can receive lower rates.
Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.

It's important to note that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you're out of luck. But any discount will bring down the amount you have to pay.

For a list of companies offering car insurance discounts in New York, click here to view.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different so your insurance should reflect that For example, these questions can help discover whether or not you would benefit from professional advice.

When does my teenage driver need to be added to my policy?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in New York?
Why does it cost so much to insure a teen driver in Armonk?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?
Does my personal auto insurance policy cover using my vehicle for business use?

If you're not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, free and can help protect your family.

More information is available on the website for the New York Department of Financial Services located here. Visitors are able to view agent and company licensing information, file complaints about a company, read enforcement actions against agents and companies, and read consumer alerts.

Best coverage at the best price

When shopping online for car insurance, it's very important that you do not reduce needed coverages to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at a price you can afford.

We just presented some good ideas how you can lower your car insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with a small local company. Smaller companies often have lower prices on specific markets compared to the large companies like .

Lower-priced car insurance is available both online and also from your neighborhood Armonk agents, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.