How to Know You're Paying Too Much for Auto Insurance in Frankfort

No one in their right mind likes having to buy auto insurance, especially knowing the cost is too high.

Because you have many different company options, it's nearly impossible to choose the best insurer.

It's important to check auto insurance prices occasionally since insurance rates are constantly changing. Even if you got the best rates two years ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance online, so I'm going to show you some great ways to stop overpaying for insurance.

Finding affordable coverage in Frankfort is quite easy. If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Nevertheless, New York vehicle owners do need to know how companies price online insurance.

New York auto insurance quotes

Policy discounts you shouldn't miss

Companies offering auto insurance don't always advertise all their discounts very well, so the following is a list of some of the best known as well as the least known ways to save on auto insurance.

  • Bundle and Save - When you have multiple policies with one company you may earn approximately 10% to 15%.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Drive Less and Save - Driving fewer miles could qualify for better rates on cars that stay parked.
  • Military Rewards - Having a family member in the military could mean lower rates.
  • Auto/Life Discount - Larger companies have a break if you buy auto and life insurance together.

It's important to understand that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn't quite work that way.

For a list of companies offering auto insurance discounts in New York, click this link.

Frankfort Auto Insurance Quote Comparison

The are a couple different ways of comparing rate quotes from different Frankfort insurance companies. The recommended way to find competitive insurance rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get quotes is a comparison rater form like this one (opens in new window). This form eliminates the need for multiple quote forms to each individual auto insurance company. A single form compares rates from multiple low-cost companies.

A less efficient way to shop for auto insurance online is going to the website for each individual company to complete their respective quote request forms. For instance, we'll pretend you want to compare , and . To find out each rate you need to go to every website and enter your information, which is why the first method is more popular.

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

It's up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverage limits and deductibles on every quote you get. If you are comparing different liability limits it's impossible to determine which rate is truly the best in Frankfort. Having just a slight variation in coverage limits can make a big difference in price. And when quoting auto insurance, remember that quoting more provides better odds of finding the best rates.

Insurance agents can help

When it comes to choosing coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is a little different so this has to be addressed. For example, these questions might point out whether your personal situation would benefit from an agent's advice.

  • What is the difference between comprehensive and collision 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?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when pulling a rental trailer?
  • What happens if I owe more than my vehicle is worth?

If it's difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Do the work, save more money

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many instances, an insured cut full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Low-cost auto insurance can be found on the web and with local Frankfort insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.