Top 6 Ways to Save Money on Car Insurance in East Syracuse

Shopping for the most affordable East Syracuse car insurance on the web is somewhat difficult for consumers new to comparison shopping online. With so many choices of companies in the marketplace, how can you have a chance to compare the different rates to find the cheapest available price?

Compare Car Insurance Today

All major car insurance companies like 21st Century, Allstate and State Farm provide coverage prices on the web. Getting quotes is quite simple as you just enter your required coverages as detailed in the form. After the form is submitted, the system will obtain credit information and your driving record and returns pricing information based on these and other factors.

This helps simplify price comparisons, but the time it takes to visit many different websites and type in the same information is not the best way to spend an afternoon. But it's very important to have as many quotes as possible if you want to find better car insurance pricing.

The preferred way to compare car insurance pricing is to use a quote form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes online shopping much more efficient. Immediately after you send the form, it gets priced with multiple companies and you can pick any one of the resulting price quotes. If a lower price is quoted, you simply finish the application and buy the policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you copy the coverage information as close as possible to your current policy. This makes sure you will be getting a fair comparison for the exact same coverage.

These six discounts can lower your rates

Companies don't always advertise all available discounts very clearly, so we took the time to find both the well known as well as the least known ways to save on car insurance.

Safety Course Discount - Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Own a Home - Owning a home in East Syracuse may earn you a small savings because maintaining a house is proof that your finances are in order.
Senior Citizens - If you're over the age of 55, you may receive better car insurance rates.
Multiple Cars - Buying coverage for all your vehicles with the same company may reduce the rate for each vehicle.
Paperless Signup - A handful of insurance companies may give you up to $50 for buying your policy over the internet.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, you won't be that lucky.

To choose insurers with discount car insurance rates in New York, click this link.

Are you falling for claims of savings?

21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies make the same claim about savings if you change to their company. How does each company claim to save you money?

All the different companies have a preferred profile for the driver that makes them money. For example, a profitable customer might be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards must pay a higher premium which leads to the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that much. This is how companies can truthfully advertise the way they do. This illustrates why you need to compare many company's rates. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Different people need different coverages

When buying the right insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different.

For instance, these questions can help discover whether you would benefit from an agent's advice.

Should I rate my vehicle as pleasure use or commute?
What happens if I owe more than my vehicle is worth?
When does my teenage driver need to be added to my policy?
Does my policy cover my teen driver if they drive my company car?
What can I do if my company won't pay a claim?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered if I wreck a rental car?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Even more information can be found at the New York Department of Financial Services website. Visitors are able to discover disciplinary actions, file complaints about an insurance agent or broker, and view agent and company licensing information.

Other informative sites include this resource for New York car insurance prices and this link which helps you find a East Syracuse agent.

Affordable insurance is out there

Cheaper car insurance is attainable both online and also from your neighborhood East Syracuse agents, so you should compare both to have the best selection. Some car insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, make sure you don't reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, delays in paying claims, an unsatisfactory settlement offer or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.