Easy Methods to Pay Less on Blue Point Auto Insurance

If you've never shopped for auto insurance online, you may be confused by the hoards of auto insurance companies all offering big savings in Blue Point.

More discounts equal less premium

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specially asked for before being credited. If you're not getting every credit you qualify for, you are throwing money away.

  • More Vehicles More Savings - Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Auto/Home Discount - If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Federal Employees - Active or retired federal employment can save as much as 8% depending on your company.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
  • Defensive Driving Course - Completing a course in driver safety can save you 5% or more if you qualify.
  • Student in College - Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your premiums.

It's not one size fits all

When it comes to buying adequate coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is a little different.

Here are some questions about coverages that might point out if you may require specific advice.

  • Am I covered when driving on a suspended license?
  • Am I covered when driving in Canada or Mexico?
  • Why am I required to get a high-risk car insurance policy?
  • Should I buy additional glass protection?
  • Should I rate my vehicle as pleasure use or commute?
  • Why does it cost so much to insure a teen driver in Blue Point?
  • Should I file a claim if it's only slightly more than my deductible?

If you can't answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can help protect your family.

Switch companies and save? Really?

New York consumers get pounded daily by advertisements for cheaper car insurance by Allstate, GEICO and Progressive. All the companies have a common claim about savings if you move to their company.

How does each company make almost identical claims?

All companies have a certain "appetite" for the driver that earns them a profit. For example, a profitable customer could possibly be over the age of 50, owns a home, and chooses high deductibles. A driver that hits that "sweet spot" receives the best rates and therefore will save when switching.

Consumers who do not match these standards must pay higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That is how companies can truthfully state the savings.

This illustrates why you should get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings.

For more New York car insurance information

Additional information can be found on the New York Department of Financial Services website located here. New York consumers can report car insurance fraud, read consumer alerts, and read industry bulletins.

Blue Point auto insurance quote

A tidy conclusion

Cheaper auto insurance is definitely available online and also from your neighborhood Blue Point agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Drivers who switch companies do it for a number of reasons such as lack of trust in their agent, policy non-renewal, high rates after DUI convictions and even denial of a claim. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.