Easy Tips to Save Money on Cohoes Auto Insurance

Comparison shopping for Cohoes auto insurance is nearly impossible for beginners to shopping for insurance online. There are so many choices that it can be a real hassle to locate the lowest price in Cohoes.

It's important to price shop coverage before your policy renews because prices are constantly changing. If you had the lowest rates a few years ago you can probably find a lower rate today. Starting now, forget all the misinformation about auto insurance because you're going to get a crash course in the tricks you need to know to lower your annual insurance bill.

If you currently have car insurance, you should be able to lower your premiums substantially using this information. The purpose of this article is to let you in on how to get online quotes and some money-saving tips. But New York drivers do need to know the way companies market on the web and use this information to your advantage.

Cohoes auto insurance comparison

Cheap Cohoes Auto Insurance Comparisons

The are a couple different ways of comparing price quotes and find the best price. The best method to find competitive insurance rates is simply to get online rate quotes. This can be done in several different ways.

  • The recommended way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This form eliminates the need for repetitive form entry for each company. In just a few minutes this one form gets you coverage quotes direct from many companies. It's the fastest way to compare.
  • A more difficult way to shop for auto insurance online consists of going to each company's website to complete their respective quote request forms. For instance, we'll pretend you want rates from , and . You would have to go to every website to enter your coverage information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in Cohoes, click here.
  • The hardest way of comparing rate quotes is to waste gas driving to local Cohoes insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the personal advice of a licensed agent. Drivers can get the lowest quotes online but buy from a local insurance agent. We'll cover that shortly.

It's up to you how you get prices quotes, just ensure you're using exactly the same coverages on every quote you get. If you use different limits and deductibles on each one it will be impossible to determine which rate is truly the best in Cohoes. Having just a slight variation in insurance coverages may result in large price differences. And when price shopping your coverage, comparing more company's prices will increase your chances of finding lower pricing.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always publicize all their discounts in a way that's easy to find, so we break down both well-publicized and the more hidden ways to save on auto insurance.

  • Save over 55 - Mature drivers can possibly qualify for a discount up to 10%.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • No Claims - Claim-free drivers can save substantially as compared to bad drivers.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Memberships - Participating in a civic or occupational organization could trigger savings on auto insurance.
  • Drivers Ed for Students - Have your child complete a driver education course in high school.
  • Defensive Driving Course - Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Good Students Pay Less - A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.
  • Auto/Life Discount - Select insurance companies reward you with better rates if you take out life insurance from them.
  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.

Drivers should understand that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn't make money that way.

To see a list of companies with the best auto insurance discounts in Cohoes, click this link.

More detailed New York auto insurance information can be found at the New York Department of Financial Services website. New York consumers can learn about insurance regulations, find a variety of consumer forms, and read industry bulletins.