Tightwads Guide to Saving on Chittenango Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say many Chittenango consumers feel financially strained by their auto insurance policy. Having so many different company options, it's nearly impossible to locate the cheapest insurer.

Finding affordable coverage in Chittenango is quite easy. If you currently have a car insurance policy, you will be able to save some money using this information. New York drivers only need an understanding of the most effective way to compare rates over the internet.

Policy discounts you shouldn't miss

Auto insurance companies do not list every discount very well, so here is a list some of the best known and the harder-to-find discounts you could be receiving. If you don't get every credit possible, you are throwing money away.

  • No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • No Charge for an Accident - Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Life Insurance Discount - Larger companies have a break if you buy life insurance.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
  • Driver Safety - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Discount for Good Grades - Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.

Consumers should know that some credits don't apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

Save $429 a year? Really?

New York drivers get pounded daily by advertisements that promise big savings by Progressive, Allstate and GEICO. They all have a common claim of big savings after switching to their company.

But how can every company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer might be profiled as a mature driver, has no driving citations, and chooses high deductibles. A propective insured that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save a lot of money.

Drivers who don't qualify for this ideal profile will be quoted a higher premium and this can result in business not being written. The ads state "drivers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently state the savings. This emphasizes why you should quote coverage with many companies. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about New York auto insurance

More tips and info about auto insurance is available at the New York Department of Financial Services website. New York drivers can read industry bulletins, find out which companies have the most complaints, learn about insurance regulations, and find out industry alerts.

Also read more on this online resource for auto insurance quotes in New York and this list of insurance agents in Chittenango.

And the best car insurance company is...

Cost effective auto insurance can be sourced on the web and also from your neighborhood Chittenango agents, and you need to price shop both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

Throughout this article, we presented a lot of ways to reduce auto insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the best price on auto insurance is with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates compared to the large companies like .