Finding the Cheapest Dryden Auto Insurance

No one in their right mind looks forward to paying for auto insurance, especially knowing they are paying too much. Big companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have insurance now or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Finding affordable coverage in Dryden is quite easy. New York drivers only need an understanding of how to compare rates online.

Dryden Auto Insurance Quote Comparison

Getting better auto insurance pricing is not a difficult process. Consumers just need to invest a few minutes to compare quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

The first (and easiest) way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating repetitive form submissions for every auto insurance company. A single form compares rates from multiple companies.

A harder way to shop for auto insurance online is going to the website for every company you want to comare to complete a price quote. For instance, let's assume you want to compare , and . To get rate quotes you would need to go to every website and enter your information, which is why the first method is quicker.

For a list of links to companies insuring cars in Dryden, click here.

Whichever method you choose, make absolute certain that you use exactly the same coverage limits and deductibles for every company. If you are comparing different liability limits you can't possibly decipher which rate is best in Dryden.

Understand what determines the rate you pay

It's important that you understand the factors that go into determining auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that could result in lower auto insurance prices.

Listed below are a partial list of the pieces that factor into premiums.

Extra add-on coverages are wasting money - There are many additional coverages that you can get tricked into buying if you aren't careful. Insurance for vanishing deductibles, accidental death and membership fees are some examples. They may seem good initially, but your needs may have changed so eliminate the coverages to reduce your premium.
Clean credit earns discounts - A driver's credit score is a big factor in determining your rates. If your credit is lower than you'd like, you could be paying less to insure your by improving your credit score. Consumers who have good credit tend to be less risk to insure than drivers with poor credit.
How many coverages with the same company - Most insurance companies will award you with lower prices to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. If you currently are using one company, it's still a good idea to shop around to confirm you are receiving the best rates possible.
Too many auto insurance claims drive up costs - Auto insurance companies in New York generally give cheaper rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is intended to be relied upon for larger claims.

Policy discounts you shouldn't miss

Companies that sell car insurance don't list all available discounts in a way that's easy to find, so we researched some of the best known and also the lesser-known discounts you could be receiving. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

Defensive Driver - Completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
Anti-theft Discount - Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
Drivers Ed for Students - Require your teen driver to enroll in driver's education in school.
Seat Belt Usage - Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
Federal Employees - Simply working for the federal government can save as much as 8% depending on your company.
Life Insurance Discount - Larger companies have better rates if you take out a life insurance policy as well.

It's important to understand that some credits don't apply to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. So when the math indicates you can get free auto insurance, it doesn't quite work that way.

For a list of insurers offering auto insurance discounts in Dryden, click here.

Insurance agents can help

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else's and your policy should reflect that. For example, these questions might point out whether your personal situation could use an agent's help.

Do I really need UM/UIM coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is my cargo covered for damage or theft?
Why am I be forced to buy a membership to get insurance from some companies?
Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?

If you can't answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It's fast, free and you can get the answers you need.

More tips and info about auto insurance is located at the New York Department of Financial Services website. New York drivers can discover disciplinary actions, find out industry alerts, read consumer alerts, and download brochures.

And the best car insurance company is...

Low-cost auto insurance can be found on the web in addition to many Dryden insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

While you're price shopping online, it's not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured cut collision coverage and learned later they didn't purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best price while not skimping on critical coverages.