Friendship Auto Insurance For Less Than You're Paying Now

Finding better rates for Friendship auto insurance is nearly impossible for consumers new to comparing rates online. There are so many choices that it can be more work than you anticipated to compare prices in Friendship.

It's important to compare rates once or twice a year because prices are constantly changing. Even if you think you had the lowest price a few years ago you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance on the internet, so I'm going to show you some great ways to put money back in your pocket.

Choosing the best insurance company for you in Friendship is easy if you know what you're doing. Essentially every vehicle owner who is required by state law to have auto insurance stands a good chance to be able to lower their premiums. But New York drivers do need to know how big insurance companies market insurance on the web because it can help you find the best coverage.

More discounts equal less premium

Companies offering auto insurance don't list all their discounts very well, so we researched both well-publicized as well as the least known auto insurance savings.

Save over 55 - If you qualify as a senior citizen, you may receive better auto insurance rates.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
Safety Course Discount - Completing a course in driver safety could save 5% or more if you qualify.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Multiple Cars - Having all your vehicles on one policy may reduce the rate for each vehicle.
Discount for Life Insurance - Select insurance companies reward you with a break if you buy a life insurance policy as well.
Discount for New Cars - Adding a new car to your policy is cheaper since new cars are generally safer.
Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
Drive Less and Save - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.

Consumers should know that most credits do not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, companies don't profit that way.

Switch companies and save? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. They all seem to say the same thing that you'll save big if you change to their company. But how can every company make almost identical claims?

All companies can use profiling for the driver that earns them a profit. For instance, a desirable insured could possibly be between 30 and 50, has no tickets, and has a short commute. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save a lot of money.

Potential customers who do not match this ideal profile will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That's why companies can make the claims of big savings. Because of the profiling, you should get a wide range of price quotes. It's impossible to know the company that will fit your personal profile best.

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, view a list of available companies, and discover disciplinary actions.

Also read more on this Car Insurance FAQ and this page of insurance agents in Friendship.

The best insurance company isn't always the cheapest

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at a price you can afford.

Consumers leave their current company for a number of reasons such as denial of a claim, extreme rates for teen drivers, questionable increases in premium and even policy cancellation. It doesn't matter why you want to switch choosing a new insurance company is less work than it seems.

Discount auto insurance is attainable online and also from your neighborhood Friendship agents, so compare prices from both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.