Proven Ways to Save on Canandaigua Auto Insurance

Tired of paying out the nose each month for car insurance? Your situation is no different than many other New York consumers.

You have so many to buy insurance from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

It's important to shop coverage around once or twice a year since insurance rates are constantly changing. Just because you found the best price six months ago you may be paying too much now. Ignore everything you know about auto insurance because we're going to demonstrate how to use online quotes to find great coverage at a great price.

Buying car insurance in Canandaigua is not that difficult. Basically, every vehicle owner who carries auto insurance stands a good chance to be able to reduce their rates. Although New York vehicle owners do need to know how big insurance companies sell online and apply this information to your search.

How to Compare Auto Insurance Costs in Canandaigua

There are several ways to compare rate quotes and find the best price. The recommended way to compare insurance prices is to perform an online rate comparison. This can be accomplished using a couple different methods.

The first (and easiest) way to find low rates is to use a rate comparison form click to view form in new window. This method eliminates the need for boring form submissions for every auto insurance company. Taking the time to complete one form gets you price quotes from all major companies.

A harder way to compare rate quotes requires visiting each company website to complete their respective quote request forms. For instance, let's assume you want rates from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

To view a list of companies in Canandaigua, click here.

It doesn't matter which method you choose, just double check that you are using identical quote information on every quote you get. If you use mixed coverages it will be next to impossible to determine which rate is truly the best in Canandaigua. Just a small difference in coverages may result in large price differences. It's important to know that comparing more company's prices helps locate the best offered rates.

Tips to Get Lower Canandaigua Rates

It's important that you understand some of the elements that help determine auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get lower auto insurance prices.

High credit ratings translate to low rates - Your credit history is a large factor in your rate calculation. So if your credit is not that good, you could be paying less to insure your by spending a little time repairing your credit. People with excellent credit tend to be more responsible than drivers who have lower credit scores.
Special features that cut premiums - Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
Your spouse saves you money - Having a spouse can get you a discount when buying auto insurance. Marriage translates into being more responsible and it's statistically proven that drivers who are married are more cautious.
Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. Your deductibles are the amount of money you are required to spend if you file a covered claim. The higher the amount you have to pay, the less your company will charge you for insurance.
Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Occupations like lawyers, architects and financial analysts have higher average rates attributed to high stress levels and lengthy work days. Conversely, professions such as farmers, engineers and performers get better rates.
Safer cars cost less to insure - Cars with high safety ratings are cheaper to insure. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims and thus lower rates.
Women pay lower rates - The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men tend to get into accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.

Take advantage of discounts

Companies that sell car insurance do not advertise every available discount very clearly, so we took the time to find some of the best known and the more hidden auto insurance savings.

Air Bag Discount - Vehicles with factory air bags may earn rate discounts of 20% or more.
Payment Method - If you pay your bill all at once rather than paying monthly you could save up to 5%.
E-sign - Certain companies give back up to $50 for buying your policy over the internet.
Homeowners Pay Less - Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Claim Free - Claim-free drivers can save substantially compared to frequent claim filers.
Lower Rates for Military - Having a deployed family member may qualify for rate reductions.
One Accident Forgiven - Certain companies permit an accident without raising rates if you are claim-free prior to the accident.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

For a list of providers who offer auto insurance discounts in New York, follow this link.

Even more information can be found at the New York Department of Financial Services website. New York drivers can find out industry alerts, view a list of available companies, get help finding coverage, and report car insurance fraud.

Shop smart and save

Throughout this article, we presented a lot of tips how to lower your auto insurance rates. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a company that doesn't do a lot of advertising. Smaller companies may cover specific market segments cheaper than their larger competitors like .

The cheapest auto insurance can be sourced on the web as well as from independent agents in Canandaigua, so compare prices from both to have the best rate selection. Some insurance companies don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.