Bethpage Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the sheer number of auto insurance choices in Bethpage? You're not the only one! Drivers have so many choices that it can turn into more work than you anticipated to find better rates.

Take advantage of discounts

Insurance can cost an arm and a leg, but you can get discounts to help bring down the price. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

Clubs and Organizations - Affiliation with a qualifying organization may earn a discount when buying auto insurance.
Fewer Miles Equal More Savings - Low mileage vehicles can earn a substantially lower rate.
Homeowners Discount - Owning a home in Bethpage can save you money because maintaining a house is proof that your finances are in order.
Paperless Signup - Certain companies give back up to $50 just for signing your application over the internet.
No Charge for an Accident - Certain companies will allow you to have one accident before your rates go up so long as you haven't had any claims prior to the accident.

Keep in mind that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn't work that way. But any discount will bring down your overall premium however.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that play a part in calculating auto insurance rates. Knowing what influences your rates enables informed choices that could result in lower auto insurance prices.

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

Do you have enough liability coverage? - Your policy's liability coverage provides coverage if a jury decides you are liable for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Safer cars cost less to insure - Cars with high safety ratings get lower rates. Safe vehicles reduce injuries and better occupant protection means lower claim amounts and thus lower rates.
Extra add-on coverages are wasting money - There are quite a few extra coverages that you can get tricked into buying if you aren't careful. Coverages for roadside assistance, accidental death and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they're wasting money eliminate them to save money.
Adjust deductibles and save - The deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are colliding with a building, damage from fire, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
Your stress level may be raising your rates - Occupations such as lawyers, social workers and financial analysts tend to have higher average rates in part from high stress and lengthy work days. Conversely, professions such as actors, engineers and retirees receive lower rates.
Being married is a good thing - Having a spouse helps lower the price on auto insurance. Having a spouse means you're more mature it has been statistically shown that being married results in fewer claims.
Lower miles equals lower premium - The higher the mileage driven in a year the more you'll pay to insure your vehicle. Most insurance companies price each vehicle's coverage based on their usage. Cars left parked in the garage qualify for better rates than those used for commuting. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle.

Are auto insurance companies telling the truth?

Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies have a common claim that you can save if you change to their company. How does each company say the same thing? This is how they do it.

All companies are able to cherry pick for the driver that earns them a profit. For example, a profitable customer might be profiled as between the ages of 30 and 50, has no tickets, and has great credit. A propective insured that hits that "sweet spot" is entitled to the best price and most likely will save when switching.

Potential customers who don't qualify for these standards must pay higher prices and this can result in business not being written. Company advertisements say "drivers who switch" not "people who quote" save that much. That's the way insurance companies can advertise the savings.

This illustrates why drivers should compare as many rates as you can. It's not possible to predict which auto insurance company will give you the biggest savings.

Find out more about auto insurance

More information can be found on the Tennessee Department of Commerce and Insurance website. Click here for link. Tennessee drivers can find out which companies have the most complaints, find disaster information, and discover disciplinary actions.

Final considerations

Affordable auto insurance is attainable on the web and also from your neighborhood Bethpage agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Drivers leave their current company for any number of reasons including questionable increases in premium, delays in responding to claim requests, an unsatisfactory settlement offer and even delays in paying claims. No matter why you want to switch, switching auto insurance companies is less work than it seems.

As you prepare to switch companies, never skimp on coverage in order to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.