Top Ways to Save on Briarcliff Manor Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, you're not the only one.

Multiple compete for your insurance dollar, so it can be very hard to choose a and get the definite lowest rate

It's important to do rate comparisons every six months because prices are constantly changing. Despite the fact that you may have had the lowest price six months ago you can probably find a better price now. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to one of the best ways to eliminate unnecessary coverages and save money.

Why some people pay less for insurance in Briarcliff Manor

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that may reward you with lower auto insurance prices.

Marriage brings a discount - Having a wife or husband can get you a discount when buying auto insurance. It is viewed as being more mature and statistics show being married results in fewer claims.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be collision with another vehicle, damage caused by hail, and burglary. Your deductibles are how much you are required to spend before a claim is paid by your company. The more you're willing to pay, the less your auto insurance will be.
Men pay higher rates - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Women and men cause accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.
Add-on coverages can add up - There are a ton of extra coverages that you can buy when buying auto insurance. Coverages like personal injury protection, towing coverage and motor club memberships are examples of these. These coverages may sound good initially, but if you don't need them get rid of them and save.
Do you qualify for a multi-policy discount? - Many companies will give a discount to insureds who buy several policies from them. It's known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, it's still a good idea to comparison shop to make sure you are getting the best deal. You may still find a better deal by splitting coverages up.
Cautious drivers pay less - Your driving citation history impacts your car insurance rates tremendously. Good drivers get better rates compared to drivers with tickets. Just one speeding ticket can increase rates forty percent or more. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

More discounts equal less premium

Insuring your vehicles can cost a lot, but you may find discounts to cut the cost considerably. A few discounts will automatically apply when you quote, but less common discounts must be requested specifically before you get the savings.

Sign Online - Certain companies may give you up to $50 just for signing your application on their website.
Multiple Vehicles - Having multiple vehicles with the same company can get a discount on all vehicles.
Senior Citizens - If you're over the age of 55, you may be able to get reduced rates.
Drive Less and Save - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
No Charge for an Accident - A few companies allow you one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.

It's important to note that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, you're out of luck. But any discount will cut your premiums.

To choose companies who offer auto insurance discounts in Briarcliff Manor, follow this link.

Switch companies and save? Really?

Auto insurance companies such as State Farm, GEICO and Progressive continually stream ads in print and on television. They all seem to say the same thing that you can save after switching to them. How do they all claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the type of driver that makes them money. For instance, a desirable insured might be between 30 and 50, has no driving citations, and has a high credit rating. A customer getting a price quote who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Drivers who do not match the "perfect" profile will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save money. That's the way insurance companies can state the savings.

Because of the profiling, you should compare as many rates as you can. It's impossible to know which auto insurance company will have the lowest rates.

Learn more about New York auto insurance

More information is located on the website for the New York Department of Financial Services found here. Visitors are able to get help finding coverage, report car insurance fraud, learn about insurance regulations, and discover disciplinary actions.

Affordable insurance is out there

Lower-priced auto insurance can be bought both online and with local Briarcliff Manor insurance agents, so compare prices from both to have the best selection. Some insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, you should never buy poor coverage just to save money. In many cases, someone sacrificed liability coverage limits only to discover later that they should have had better coverage. Your aim should be to buy enough coverage at the best price.