How to Know You're Wasting Money for Car Insurance in Bayport

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, you're not the only one.

Having so many choices of insurance companies, it's difficult to pick the lowest price insurer.

It's important to compare prices at least once a year due to the fact that insurance rates are constantly changing. If you had the best price two years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you're about to learn one of the easiest ways to eliminate unnecessary coverages and save money.

How to Compare Bayport Car Insurance Costs

Most companies allow you to get coverage prices online. Obtaining pricing is quite simple as you just type in the coverage amounts you desire as detailed in the form. When the form is submitted, the system will obtain your credit score and driving record and provides a quote based on these factors. This helps simplify price comparisons, but the work required to visit multiple sites and complete many quote forms gets old quite quickly. But it's very important to perform this step in order to find better car insurance pricing.

There is a better way!

A quicker way to find better car insurance pricing makes use of a single form that gets price quotes from more than one company. The form is fast, reduces the work, and makes online price comparison much easier. As soon as the form is sent, it is rated and you are able to buy any or none of the quotes returned. If you find a better price you can simply submit the application and buy the new coverage. The entire process takes 15 minutes at the most and could lower your rates considerably.

In order to find out what other companies charge, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you input the insurance coverages exactly as shown on your declarations page. This ensures you're receiving a rate comparison for similar insurance coverage.

These discounts can lower your rates

Companies offering auto insurance do not advertise all their discounts very well, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.

  • Sign Online - Certain companies may give you up to $50 just for signing your application online.
  • Drive Less and Save - Keeping the miles down can earn discounted rates on garaged vehicles.
  • Service Members Pay Less - Being on active duty in the military can result in better rates.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • College Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.

It's important to note that most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you're out of luck.

To see a list of companies with the best car insurance discounts in New York, click here to view.

Find out more about car insurance

Additional detailed information can be found at the New York Department of Financial Services website. Visitors are able to get help finding coverage, find disaster information, view a list of available companies, and read consumer alerts.

Additional helpful sites include this page for New York car insurance and see this list of insurance agents in Bayport.