Tightwads Guide to Saving on Cochecton Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, you're not the only one.

Having so many car insurance companies to choose from, it's nearly impossible to pick the right insurer.

It's important to do rate comparisons at least once a year since rates are constantly changing. Just because you had the lowest rates two years ago you can probably find a lower rate today. So block out anything you think you know about car insurance because we're going to show you the tricks you need to know to remove unneeded coverages and save money.

New York car insurance

How to Compare Cochecton Car Insurance Costs

There are several ways to compare car insurance prices and some are easier and takes less work. You can spend countless hours talking to insurance agencies in Cochecton, or you could use the web to get the quickest rates.

The majority of car insurance companies take part in a program that allows shoppers to submit one quote, and each company can provide price quotes for coverage. This eliminates the need for form submissions to each individual car insurance company. To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is you are unable to specify the providers you will receive quotes from. So if you want to select specific providers to compare rates, we have assembled a list of companies who write car insurance in New York. Click here for list of insurance companies in New York.

Which method you use is up to you, but compare apples-to-apples coverages and limits on every quote you get. If you use different deductibles then you won't be able to determine which rate is truly the best in Cochecton. Just a small difference in limits can mean a large discrepancy in price. Just keep in mind that more quotes provides better odds of finding a lower rate.

Be sure to get all your discounts

Car insurance can cost a lot, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be specially asked for prior to getting the savings.

  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Defensive Driver - Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Early Signing - Some companies give discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you may save up to 20% off your total premium.

Keep in mind that most credits do not apply the the whole policy. Most only apply to specific coverage prices like medical payments or collision. So when it seems like you can get free auto insurance, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

To see a list of providers offering car insurance discounts in New York, follow this link.

More information can be found on the website for the New York Department of Financial Services found here. Visitors are able to file complaints about a company, discover disciplinary actions, find out industry alerts, and read consumer alerts.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Cochecton insurance agents.