How to Know You're Paying Too Much for Auto Insurance in Copiague

I can't think of anyone who likes paying for auto insurance, in particular when the cost is too high.

Numerous battle for your business, and it can be difficult to compare rates to discover the definitive lowest rate

It's important to compare rates periodically because prices are constantly changing. Despite the fact that you may have had the best rates last year you can probably find a lower rate today. You can find a lot of wrong information about auto insurance online but I'm going to show you some great ways to find affordable auto insurance.

Copiague auto insurance comparison

Copiague Auto Insurance Comparisons

The are a couple different ways of comparing price quotes from different Copiague insurance companies. The best method to find competitive insurance rates is to get quotes online. This can be done in a couple of different ways.

  • The recommended way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quotation requests for each company you want a rate for. Just one form will get you rate comparisons from auto insurance companies with the best prices.
  • A more difficult way to shop for auto insurance online requires you to visit each company's website to complete their respective quote request forms. For example, let's assume you want to compare , and . To get each rate you have to visit each site and enter your policy data, and that's why the first method is more popular. For a list of links to companies insuring cars in Copiague, click here.

Whichever way you use, be sure to compare the exact same coverage information on every quote you get. If you compare unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best in Copiague. Just a small difference in limits may result in a large different in cost. Keep in mind that getting more free quotes will increase your chances of finding the best offered rates.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be applied when you quote, but some may not be applied and must be asked for prior to getting the savings.

  • Discount for New Cars - Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Save over 55 - Mature drivers may be able to get better auto insurance rates.
  • Drive Less and Save - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy qualifies for this discount.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way. But any discount will cut the amount you have to pay.

To see a list of companies who offer auto insurance discounts in Copiague, follow this link.

Insurance agents can help

When choosing coverage for your vehicles, there is no cookie cutter policy. Everyone's situation is unique so your insurance needs to address that. For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in New York?
  • Should I buy additional glass protection?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving on a suspended license?
  • Who is covered when they drive my vehicle?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

Additional New York consumer information

More information can be read on the website for the New York Department of Financial Services. Click here for link. New York consumers can read enforcement actions against agents and companies, file complaints about a company, learn about insurance regulations, and find disaster information.