Tightwads Tips for Saving on Clymer Auto Insurance

Nobody I know cherishes buying auto insurance, especially knowing the price is too high. There is such a variety of to buy insurance from, and although it's nice to be able to choose, so many choices can make it hard to compare rates.

It's important to get comparison quotes periodically since insurance rates are constantly changing. Just because you found the best deal a couple years back there is a good chance you can find better rates now. So forget anything you know (or think you know) about auto insurance because it's time to teach you the proper way to save on auto insurance.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. Knowing what influences your rates helps enable you to make changes that may reward you with lower auto insurance prices.

  • Rural vs Urban Areas - Living in a rural area can be a good thing when buying auto insurance. Drivers in populated areas regularly have much more traffic and longer commute times. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
  • A clean driving record saves money - Just one speeding ticket may increase your cost forty percent or more. Drivers with clean records have lower premiums than their less careful counterparts. Drivers who have dangerous citations such as hit and run, DWI or reckless driving convictions may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Liability insurance protects assets - Your policy's liability coverage is the coverage that protects you if ever a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • What are your deductibles? - Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and burglary. Physical damage deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the lower your rates will be.

New York auto insurance quotes

Clymer Auto Insurance Comparisons

Performing a rate comparison can be challenging if you don't understand the most efficient way to do it. You can spend your afternoon driving to insurance agencies in Clymer, or you could save time and use online quotes to achieve your goal.

Most of the larger companies participate in a marketplace that enables customers to submit their information once, and each company then returns a price quote for coverage. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

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

The only downside to getting quotes like this is buyers cannot specifically choose which providers you want to price. So if you prefer to choose specific providers to request quotes from, we have assembled a list of auto insurance companies in New York. Click here to view list.

It doesn't matter which method you choose, just be sure to compare identical quote information for every quote you compare. If you use mixed coverages it's not possible to determine the best price in Clymer.

Don't pay full price with these discounts

Companies that sell car insurance don't always advertise all their discounts very clearly, so here is a list some of the best known as well as the least known ways to save on auto insurance. If you're not getting every credit you qualify for, you are paying more than you should be.

  • Bundle and Save - If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
  • Good Student - This discount can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Multiple Cars - Having all your vehicles with the same company may reduce the rate for each vehicle.
  • Homeowners Savings - Owning a house in Clymer may earn you a small savings because maintaining a house requires personal responsibility.
  • Seat Belts Save more than Lives - Requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.

It's important to note that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, you're out of luck.

To choose companies with discount auto insurance rates in New York, click this link.

The auto insurance bait and switch

New York drivers can't ignore all the ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. They all seem to make the same claim that you can save if you change your policy.

How does each company say the same thing?

All companies have a certain "appetite" for the right customer that makes them money. An example of a desirable insured might be profiled as between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. A propective insured who matches those parameters is entitled to the best price and therefore will save when switching.

Potential customers who don't measure up to these standards will have to pay higher prices which leads to business not being written. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That is how insurance companies can advertise the way they do. Because of the profiling, you need to get quotes from several different companies. It's not possible to predict which company will provide you with the cheapest rates.

Your personal situation dictates your coverage

When buying proper insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I wreck a rental car?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage for damage caused while driving under the influence?

If it's difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Additional detailed information is available at the New York Department of Financial Services website. New York drivers can view agent and company licensing information, file complaints about a company, find out which companies have the most complaints, and report car insurance fraud.

New York auto insurance

And the best car insurance company is...

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. In many instances, someone dropped liability limits or collision coverage only to find out that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at a price you can afford.

Throughout this article, we presented many ideas to compare auto insurance prices online. It's most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from the least-expected company. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as .

Lower-priced auto insurance can be sourced on the web in addition to many Clymer insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.