Consumer Tested Strategies to Save on Galway Car Insurance

No one likes having to buy car insurance, especially when they are paying too much. Since consumers have many online and local companies to choose from, it is very difficult to find the cheapest provider.

Choosing the best insurance company for you in Galway is quite easy. If you have a current car insurance policy or are shopping for new coverage, you will benefit by learning to find better prices and still get good coverage. New York drivers only need an understanding of the most effective way to find the lowest price over the internet.

Galway Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine your car insurance rates. When you know what positively or negatively determines base rates enables informed choices that could result in big savings.

  • Do you need the policy add-ons? - There are a ton of additional coverages that you can get tricked into buying on your policy. Things like personal injury protection, accidental death and term life insurance are examples of these. They may seem good when you first buy your policy, but if they're wasting money remove them from your policy.
  • How many coverages with the same company - Many companies will award you with lower prices to policyholders who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to ensure the best deal.
  • Women pay lower rates - Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both cause accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high car insurance rates.
  • Credit scores impact car insurance rates - A driver's credit history is a important factor in determining your rates. Therefore, if your credit rating is not that good, you could save money insuring your by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower credit scores.

car insurance in Galway

Don't pay full price with these discounts

Companies offering auto insurance don't list all available discounts very well, so the following is a list of some of the more common as well as the least known car insurance savings. If you don't get every credit you qualify for, you are paying more than you should be.

  • Driver Safety - Taking part in a driver safety course can save you 5% or more if your company offers it.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Accident Forgiveness - Some insurance companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims for a particular time prior to the accident.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • Good Student - This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Student in College - Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Paperless Signup - A handful of insurance companies will give a small break simply for signing online.
  • 55 and Retired - If you're over the age of 55, you may be able to get better car insurance rates.

Consumers should know that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way.

To choose insurers who offer car insurance discounts in New York, follow this link.

The car insurance bait and switch

Consumers can't ignore all the ads for cheaper car insurance by 21st Century, Allstate and State Farm. All the companies say the same thing of big savings after switching to their company.

But how can every company make the same claim?

All the different companies have a certain "appetite" for the driver that makes them money. A good example of a profitable customer could be a mature driver, owns a home, and has excellent credit. A customer who fits that profile will get very good rates and therefore will save a lot of money.

Drivers who don't measure up to this ideal profile must pay higher premiums which usually ends up with business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save that much. That is how insurance companies can confidently make those claims. This illustrates why you should get as many quotes as possible. Because you never know which company will have the lowest rates.

Your personal situation dictates your coverage

When buying coverage for your vehicles, there really is no best way to insure your cars. Everyone's needs are different and a cookie cutter policy won't apply. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in New York?
  • What are New York no-fault laws?
  • Does my personal policy cover me when driving my company car?

If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

For more New York car insurance information

More tips and info about car insurance can be read at the New York Department of Financial Services website. Consumers can discover disciplinary actions, read consumer alerts, learn about insurance regulations, and find out industry alerts.

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

Galway car insurance quote

Best coverage at the best price

Cost effective car insurance can be sourced from both online companies and also from your neighborhood Galway agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

While you're price shopping online, do not buy poor coverage just to save money. There are a lot of situations where an insured cut collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

We just showed you a lot of information how to save on car insurance. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the best price on car insurance is with a small local company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as .