Getting Cheap Brooklyn Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, there are a lot of people in Brooklyn just like you who feel imprisoned by their car insurance policy. You have multiple to pick from, and even though it's nice to be able to choose, having more makes it harder to compare rates.

It's important to do rate comparisons at least once a year due to the fact that insurance rates are constantly changing. Just because you found the best deal two years ago there is a good chance you can find better rates now. So block out anything you think you know about car insurance because I'm going to teach you the proper way to remove unneeded coverages and save money.

Finding affordable coverage in Brooklyn is not that difficult. If you are paying for car insurance now, you will most likely be able to save some money using this information. New York consumers only need to know the most efficient way to compare company rates on the web.

Why some people pay less for insurance in Brooklyn

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

Shown below are some of the factors companies use to determine rates.

  • Drive less and save money - The higher the mileage driven in a year the more you will pay for car insurance. Most companies charge to insure your cars based upon how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your car insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
  • Safer cars are cheaper to insure - Vehicles with good safety scores can get you lower premiums. These vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and thus lower rates.
  • Adjust deductibles and save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be running into the backend of another car, vandalism, or theft. Deductibles for physical damage are how much you are willing to pay out-of-pocket if you file a covered claim. The more money you're willing to pay, the less your car insurance will be.
  • Where you reside plays a part - Choosing to live in less populated areas can be a good thing when talking about car insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • Teen drivers pay high rates - Youthful drivers in New York have a tendency to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, file fewer claims and are safer drivers.
  • Your credit rating is important - Credit score is a huge factor in calculating your car insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit. If your credit score is low, you could save money insuring your by spending a little time repairing your credit.
  • Don't skimp on liability - Your policy's liability coverage provides coverage if ever you are found liable for damages from an accident. It provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.

New York car insurance quotes

Quick Brooklyn Car Insurance Quotes

There are several ways to compare car insurance prices and some are more efficient than others. You can spend your afternoon driving to insurance companies in Brooklyn, or you can stay home and use the web to get prices fast.

Most of the larger companies take part in a program that allows shoppers to submit one quote, and at least one company then returns a price quote based on that data. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here to open in new window.

The only downside to using this type of system is you can't choose which providers you want to price. So if you want to select specific insurance companies to compare prices, we put together a list of the cheapest car insurance companies in New York. Click here to view list.

It's your choice how you get your quotes, but compare identical quote information on every quote. If you have mixed coverages you will not be able to make a fair comparison in Brooklyn.

Be sure to get all your discounts

Auto insurance companies do not list all their discounts very clearly, so here is a list both the well known and the harder-to-find savings tricks you should be using. If you're not getting every credit possible, you are paying more than you should be.

  • Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Drive Less and Save - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Multiple Cars - Buying insurance for all your vehicles with the same company qualifies for this discount.
  • College Student - Kids in college who live away from home and don't have a car can receive lower rates.
  • Organization Discounts - Being a member of a qualifying organization is a good way to get lower rates on car insurance.
  • Accident Free - Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
  • Homeowners Discount - Owning a house in Brooklyn can help you save on car insurance because maintaining a house requires personal responsibility.

A little note about advertised discounts, most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, you won't be that lucky.

To choose companies with discount car insurance rates in New York, click here to view.

Is there truth in advertising?

Consumers in New York can't ignore all the ads that promise big savings by companies like GEICO, State Farm and Progressive. They all seem to make an identical promise about savings if you change to them.

How does each company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of driver that makes them money. An example of a desirable insured might be between the ages of 30 and 50, has no tickets, and chooses high deductibles. Any driver who meets those qualifications will get very good rates and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will have to pay higher rates and ends up with the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save money. That's the way companies can truthfully state the savings. Because of the profiling, you need to quote coverage with many companies. You cannot predict which car insurance company will give you the biggest savings.

Even more information is available at the New York Department of Financial Services website. Visitors are able to file complaints about an insurance agent or broker, find disaster information, report car insurance fraud, and view agent and company licensing information.

Other informative sites include Auto Insurance 101 and this page where you can research Brooklyn insurance agents.

car insurance in Brooklyn

And the best car insurance company is...

When buying insurance coverage, make sure you don't reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage for the lowest price.

The cheapest car insurance can be sourced both online and with local Brooklyn insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.