5 Methods to Save on Car Insurance in Felts Mills

Purchasing the lowest cost Felts Mills car insurance on the internet is intimidating for beginners to comparing rates online. Since there are so many choices, how can consumers possibly compare every one to find the best pricing?

It's important to compare prices quite often since rates are constantly changing. Despite the fact that you may have had the best rates six months ago a different company probably has better rates today. Don't believe everything you read about car insurance on the web, but I'm going to show you some great ways to find cheap car insurance.

Take advantage of discounts

The price of auto insurance can be rather high, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be requested specifically before you will receive the discount.

Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
College Student - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Sign Online - Some insurance companies may give you up to $50 for buying your policy over the internet.
Bundle and Save - If you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will bring down your overall premium however.

How to know if you need help

When it comes to buying coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is a little different.

These are some specific questions may help you determine whether your personal situation will benefit from professional help.

When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Felts Mills?
Do I pay less if my vehicle is kept in my garage?
What are the financial responsibility laws in New York?
Does my policy cover me when driving someone else's vehicle?
Am I covered when driving in Canada or Mexico?
Do I have coverage for damage caused while driving under the influence?
What are New York no-fault laws?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to say the same thing about savings after switching to their company. How does each company claim to save you money?

Different companies have a preferred profile for the driver that earns them a profit. A good example of a desirable insured might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any new insured who fits that profile gets the lowest rates and most likely will save when switching.

Drivers who don't qualify for these standards will have to pay higher premiums which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much. This is how companies can truthfully state the savings.

Because of the profiling, drivers should compare as many rates as you can. It's just too difficult to predict which insurance companies will have the lowest rates.

Additional information can be read on the New York Department of Financial Services website located here. Visitors are able to view agent and company licensing information, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Also read more on Wikipedia and this page where you can research Felts Mills insurance agents.

Final considerations

As you restructure your insurance plan, make sure you don't skimp on coverage in order to save money. In many instances, drivers have reduced full coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Cheaper car insurance can be bought both online and also from your neighborhood Felts Mills agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

Consumers change insurance companies for a number of reasons such as delays in paying claims, not issuing a premium refund, an unsatisfactory settlement offer and even policy non-renewal. No matter why you want to switch, choosing a new insurance company is less work than it seems.