Top Ways to Save on East Northport Auto Insurance

I can't think of anyone who looks forward to paying for auto insurance, in particular when their premiums are too high.

Companies like GEICO and Progressive increase brand awareness with ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

It's important to shop coverage around occasionally because prices are constantly changing. Even if you think you had the lowest price a couple years back a different company probably has better rates today. Ignore everything you know about auto insurance because you're about to find out how to quote online to buy cheaper auto insurance.

If you have car insurance now, you will be able to cut costs considerably using this information. Finding affordable coverage in East Northport is easy if you know what you're doing. But New York drivers do need to know how companies market insurance on the web because it can help you find the best coverage.

Policy discounts you shouldn't miss

Car insurance companies do not advertise all their discounts in a way that's easy to find, so we researched both well-publicized and the harder-to-find discounts you could be receiving.

Accident Forgiveness - A handful of insurance companies will allow you to have one accident before your rates go up as long as you don't have any claims prior to the accident.
Anti-theft Discount - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
Lower Rates for Military - Being deployed with a military unit could be rewarded with lower premiums.
Claim Free - Good drivers with no accidents pay much less as compared to drivers who are more careless.
Clubs and Organizations - Participating in a civic or occupational organization may earn a discount on auto insurance.
Drive Less and Save - Low mileage vehicles could be rewarded with a substantially lower rate.
Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
Homeowners Savings - Owning a house in East Northport can save you money because maintaining a house shows financial diligence.
Seat Belt Usage - Requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
Federal Employees - Active or retired federal employment can save as much as 8% with select insurance companies.

Drivers should understand that some credits don't apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, companies wouldn't make money that way.

Tips to Get Lower East Northport Rates

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Shown below are a partial list of the pieces used by your company to calculate rates.

Men are more aggressive - Statistics show women are more cautious behind the wheel. Now that doesn't mean women are BETTER drivers than men. Women and men have accidents in similar numbers, but the males tend to have more serious accidents. They also get more serious tickets such as DWI and reckless driving.
One company can mean more discounts - Some insurance companies will give a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, it's in your best interest to compare other company rates to verify if the discount is saving money.
Safer occupants lowers premiums - Cars with high safety ratings get lower rates. These vehicles protect occupants better and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders.
Your stress level may be raising your rates - Jobs such as judges, social workers and dentists have the highest average rates in part from stressful work requirements and lengthy work days. Other occupations like scientists, historians and retirees get better rates.

Insurance agents can help

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured's situation is different and your policy should reflect that. For example, these questions might point out whether your personal situation would benefit from an agent's advice.

Does my policy cover me when driving someone else's vehicle?
Does my personal auto insurance policy cover using my vehicle for business use?
Am I covered when delivering products for my home-based business?
Will I be non-renewed for getting a DUI or other conviction?
Are rental cars covered under my policy?
Is my nanny covered when driving my vehicle?
Am I covered if I wreck a rental car?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Save $429 a year? Really?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run television and radio advertisements. They all seem to have a common claim that you'll save big if you change your coverage to them. How can each company make almost identical claims? This is how they do it.

All companies have a certain "appetite" for the type of customer that earns them a profit. For instance, a desirable insured could possibly be between 25 and 40, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements will have to pay higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That is how companies can advertise the way they do. Because of the profiling, drivers should get as many comparisons as possible. It's impossible to know which company will provide you with the cheapest rates.

For more New York car insurance information

More detailed New York auto insurance information is located at the New York Department of Financial Services website. New York consumers can learn about insurance regulations, read consumer alerts, find disaster information, and read industry bulletins.

The best insurance company isn't always the cheapest

Budget-conscious auto insurance is attainable online as well as from independent agents in East Northport, so you should compare both to get a complete price analysis. Some auto insurance companies don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, it's a bad idea to skimp on coverage in order to save money. In many cases, an insured cut liability coverage limits only to discover later that the savings was not a smart move. Your aim should be to buy enough coverage for the lowest price.