Proven Techniques to Save on Cambridge Car Insurance
Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you you're not the only one. Big companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.
If you are insured now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you in Cambridge is quite easy. New York drivers only need an understanding of the tricks to find the lowest price online.
How to Compare Car Insurance in Cambridge, New York
Shopping for lower car insurance rates can take time and effort if you aren't aware of the most efficient way. You can spend countless hours talking about coverages with local insurance agents in Cambridge, or you could use the internet to get rates in a matter of minutes.
The majority of car insurance companies participate in a marketplace that enables customers to send in one quote, and every company returns a competitive quote based on the submitted data. This saves time by eliminating quote requests to each individual car insurance company.
To submit your quote information now, click to open in new window.
The one disadvantage to using this type of form is you don't know exactly the providers to get quotes from. If you prefer to choose specific insurance companies to receive pricing from, we have a listing of companies who write car insurance in New York. View list of New York insurance companies.
It's up to you which method you use, but ensure you are comparing exactly the same coverages with each company. If you enter different limits and deductibles on each one then you won't be able to make an equal comparison in Cambridge.
Don't pay full price with these discounts
Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount. If you aren't receiving every discount possible, you're paying more than you need to.
- No Claims - Drivers with accident-free driving histories pay less when compared to bad drivers.
- Memberships - Belonging to a civic or occupational organization is a good way to get lower rates when shopping for car insurance.
- Military Discounts - Being on active duty in the military can result in better rates.
- Federal Government Employee - Being employed by or retired from a federal job may qualify you for a discount with a few car insurance companies.
- Theft Prevention System - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
- No Charge for an Accident - A handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
- Multiple Policy Discount - When you combine your home and auto insurance with the same insurance company you may save approximately 10% to 15%.
It's important to understand that most discount credits are not given to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will reduce your premiums.
To see a list of insurance companies with the best car insurance discounts in Cambridge, click here to view.
Learn more about New York car insurance
Additional car insurance information can be read on the website for the New York Department of Financial Services found here. Consumers can read industry bulletins, find out which companies have the most complaints, find disaster information, and download brochures.
