Free Guide to Saving Money on Dobbs Ferry Auto Insurance Online

Are you sick and tired of scraping the payment together each month for car insurance? You are no different than most other car owners in New York. Numerous battle for your hard-earned dollar, so it's not easy to compare every and uncover the absolute lowest rate

If you have insurance now or need new coverage, you will benefit by learning to find better prices and possibly find even better coverage. Buying car insurance in Dobbs Ferry is not that difficult. New York consumers only need to know the most effective way to get comparison rates online.

Dobbs Ferry Rates are Influenced by These Factors

Consumers need to have an understanding of the different types of things that go into determining the price you pay for auto insurance. Understanding what impacts premium levels enables informed choices that could result in lower auto insurance prices.

Listed below are some of the items auto insurance companies consider when setting premiums.

Don't skimp on liability - Liability insurance will protect you if a court rules you are at fault for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
An active claims history can cost you - Auto insurance companies in New York award better rates to insureds who are claim-free. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.
Traffic violations increase rates - Whether or not you get tickets impacts your car insurance rates tremendously. Only having one ticket can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state DMV in order to continue driving.
Safer cars are cheaper to insure - Cars with high safety ratings can get you lower premiums. Safe vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
Don't get talked into coverage you don't need - There are many extra bells and whistles that you can get tricked into buying on your auto insurance policy. Coverages like roadside assistance, accidental death and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if they're wasting money get rid of them and save.
Teen drivers pay high rates - Mature drivers are more responsible, tend to file fewer claims and receive fewer citations. Teen drivers are statistically proven to be more careless in a vehicle therefore auto insurance rates are much higher.
Drive less and save money - The more miles you rack up on your car every year the more you'll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Cars and trucks left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance policy is showing how each vehicle is driven.
Your occupation can affect rates - Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, business owners and accountants tend to have higher rates than average in part from high stress levels and lengthy work days. On the flip side, professions such as farmers, athletes and homemakers receive lower rates.

Compare Dobbs Ferry Auto Insurance Costs

Reducing your insurance rates can be quick and easy. You just have to spend a few minutes on the computer to compare rate quotes online with multiple companies. This is very easy and can be done in several different ways.

The fastest way to get quotes for comparison is to use a rate comparison form click to view form in new window. This easy form eliminates the need for a different quote for every auto insurance company. In just a few minutes this one form will return quotes .
A less efficient way to get quotes online is to take the time to go to each individual company website to complete their respective quote request forms. For example, let's assume you want rates from , and . To get rate quotes you would need to visit each site and enter your information, and that's why the first method is more popular.

To view a list of companies in Dobbs Ferry, click here.

It's up to you which method you use, but ensure you're using the exact same coverages and limits on every quote you get. If you have different deductibles you will not be able to determine which rate is truly the best in Dobbs Ferry.

Save big with these discounts

Auto insurance companies don't list all available discounts in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If they aren't giving you every credit available, you are paying more than you should be.

Organization Discounts - Participating in certain professional organizations is a good way to get lower rates when buying auto insurance.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% depending on your company.
Passive Restraints and Air Bags - Vehicles equipped with air bags can get savings of 20% or more.
Fewer Miles Equal More Savings - Driving fewer miles could qualify for discounted rates on garaged vehicles.
Defensive Driver - Completing a course in driver safety could save 5% or more if your company offers it.
Student in College - Kids in college living away from home attending college and do not have a car may qualify for this discount.
Discount for New Cars - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.

A little note about advertised discounts, most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it's possible to get free car insurance, you won't be that lucky.

To choose insurers offering auto insurance discounts in Dobbs Ferry, click here to view.

Auto insurance ads bend the truth

New York consumers can't ignore all the ads for the lowest price auto insurance by Allstate, GEICO and Progressive. All the companies make an identical promise about savings if you switch to their company.

How do they all make almost identical claims? This is how they do it.

All companies can use profiling for the driver that makes them money. A good example of a profitable customer could possibly be a mature driver, is a homeowner, and drives less than 10,000 miles a year. A driver who meets those qualifications will get very good rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile must pay a higher premium and ends up with the driver buying from a lower-cost company. The ads say "drivers who switch" not "people who quote" save that much. That's why companies can truthfully advertise the way they do. This illustrates why you need to quote coverage with many companies. It is impossible to predict the company that will provide you with the cheapest rates.

Even more information can be read at the New York Department of Financial Services website. New York consumers can find out which companies have the most complaints, download brochures, file complaints about a company, and find disaster information.

And the best car insurance company is...

The cheapest auto insurance is available online and also from your neighborhood Dobbs Ferry agents, and you need to price shop both to have the best rate selection. Some auto insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented some good ideas how you can compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than their larger competitors like .