Bethpage Auto Insurance For Less Than You're Paying Now

Finding affordable Bethpage auto insurance is challenging for consumers not familiar with comparing rates online. People have so many options available that it can be more work than you anticipated to compare prices in Bethpage.

It's important to compare prices once or twice a year since insurance rates are constantly changing. Just because you found the best price six months ago you can probably find a better price now. Block out anything you think you know about auto insurance because we're going to demonstrate the quickest way to find the best coverage while lowering your premiums.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with better auto insurance rates.

Shown below are a few of the "ingredients" auto insurance companies consider when setting rates.

Males pay more for insurance - The statistics show that women are safer drivers than men. Now that doesn't mean men are worse drivers. Men and women are in accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets like reckless driving and DUI.
Save money with special equipment - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and rolling your vehicle. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
Lower miles equals lower premium - The higher the mileage driven every year the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Cars that are left in the garage qualify for better rates than vehicles that are driven to work every day. Verify your auto insurance declarations sheet shows the correct usage for each vehicle.
You might want pay the small claims yourself - Car insurance companies in New York generally give lower rates to insureds who are claim-free. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
Safer occupants lowers premiums - Safer cars get lower rates. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.
Big city or small town - Being located in a small town can be a good thing when buying auto insurance. Urban drivers regularly have much more traffic and longer commute times. Lower population translates into fewer accidents.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Some trigger automatically at the time of quoting, but a few need to be requested specifically before you will receive the discount.

Senior Discount - If you're over the age of 55, you may receive better auto insurance rates.
Pay Now and Pay Less - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Multiple Cars - Buying coverage for all your vehicles with the same company qualifies for this discount.
New Vehicle Savings - Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
Homeowners Pay Less - Owning a house in Bethpage can save you money because maintaining a house is proof that your finances are in order.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance from them.

As a disclaimer on discounts, some credits don't apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.

To choose companies with discount auto insurance rates in New York, click here.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. They all seem to have a common claim about savings if you change to their company. How does each company say the same thing? This is how they do it.

Different companies can use profiling for the driver that makes them money. For example, a desirable insured might be profiled as between 25 and 40, has no tickets, and has a high credit rating. A propective insured that hits that "sweet spot" receives the best rates and as a result will probably save when switching.

Potential insureds who are not a match for these standards will have to pay more money and this can result in business not being written. Company advertisements say "drivers who switch" not "everybody who quotes" save that much. That's why companies can truthfully state the savings.

Because of the profiling, you should compare many company's rates. It's not possible to predict the company that will have the lowest rates.

Additional information can be found on the New York Department of Financial Services website. Click here for link. New York drivers can learn about insurance regulations, view a list of available companies, and report car insurance fraud.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Bethpage.

Shop smart and save

As you restructure your insurance plan, make sure you don't buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage only to regret at claim time that they should have had better coverage. Your aim should be to buy enough coverage for the lowest price.

Drivers leave their current company for any number of reasons including denial of a claim, extreme rates for teen drivers, lack of trust in their agent or even delays in paying claims. Regardless of your reason for switching companies, switching auto insurance companies is easier than you think.

Cheap auto insurance can be sourced on the web and also from your neighborhood Bethpage agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.