How to Know You're Throwing Money Away for Car Insurance in Dix Hills

Are you sick and tired of trying to scrape together enough money each month for car insurance? You are in the same boat as many other New York consumers. Insurance companies such as GEICO and Progressive constantly bombard you with TV and radio ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

Fast and Easy Dix Hills Car Insurance Quotes

There are multiple methods you can shop for car insurance but one way is more efficient than others. You could spend your day talking about coverages with agents in Dix Hills, or you can stay home and use the internet to get rate comparisons in just a few minutes.

All the larger companies are enrolled in a marketplace that enables customers to submit one quote, and at least one company provides a quote based on that data. This prevents consumers from doing quote requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of system is you can't choose which companies to get pricing from. So if you want to select from a list of companies for rate comparison, we put together a list of the cheapest car insurance companies in New York. Click here to view list.

However you get your quotes, double check that you are using exactly the same quote information on every quote. If you have mixed coverages it will be very difficult to make a fair comparison in Dix Hills.

Tips to Get Lower Dix Hills Rates

It's important that you understand the factors that play a part in calculating your car insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

Shown below are some of the items used by your company to calculate premiums.

Safer cars are cheaper to insure - Vehicles with high crash test scores get lower rates. Safe vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Car features impact rates - Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder auto theft.
Liability coverage is cheap - Your policy's liability coverage will protect you if you are found to be at fault for personal injury or accident damage. Liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
Claim-free discounts can add up - If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies in New York generally give cheaper rates to insureds who do not file claims often. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
How's your driving record? - Whether or not you get tickets has a huge affect on how much you pay. Drivers who don't get tickets tend to pay less for car insurance than their less careful counterparts. Even a single moving violation can bump up the cost by twenty percent. Drivers with dangerous tickets such as DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
Little extras can really add up - There are quite a few extra bells and whistles that you can get tricked into buying on your policy. Insurance for personal injury protection, accidental death and additional equipment coverage are some examples. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
Do you qualify for a multi-policy discount? - Some insurance companies will award you with lower prices to policyholders who buy several policies from them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. Even if you're getting this discount it's in your best interest to shop around to verify if the discount is saving money. Drivers may still find better rates by insuring with multiple companies.

Don't pay full price with these discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you complete an application, but some may not be applied and must be requested specifically before they will apply. If you aren't receiving every discount available, you're just leaving money on the table.

Fewer Miles Equal More Savings - Low mileage vehicles could qualify for a substantially lower rate.
Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you could save up to 5%.
Club Memberships - Belonging to a civic or occupational organization may earn a discount when buying car insurance.
Employee of Federal Government - Simply working for the federal government could cut as much as 10% off depending on your company.
Passive Restraints and Air Bags - Vehicles equipped with air bags can qualify for discounts of 20% or more.
Safety Course Discount - Successfully completing a driver safety course could save 5% or more depending on where you live.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will reduce your premiums.

For a list of insurers with discount car insurance rates in Dix Hills, click here.

Additional information can be read on the website for the New York Department of Financial Services. Click here for link. Consumers can find disaster information, view a list of available companies, find out which companies have the most complaints, and download brochures.

Best coverage at the best price

Cheaper car insurance can be sourced from both online companies as well as from independent agents in Dix Hills, and you should compare price quotes from both to get a complete price analysis. Some insurance companies don't offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

We just showed you a lot of techniques to lower your car insurance rates. It's most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a smaller regional carrier. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as .