How to Know You're Throwing Money Away for Auto Insurance in Germantown

Tired of not being able to afford each month for car insurance? You're in the same situation as millions of other consumers.

Having so many companies to choose from, it can be diffult for consumers to pick the most affordable provider.

This article will let you in on how to effectively get price quotes and some tricks to saving. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Nevertheless, New York drivers do need to know the methods companies use to price insurance differently and apply this information to your search.

Compare Germantown Auto Insurance Costs

There are several ways of comparing price quotes and find the best price. The best method to find the cheapest insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

  • The recommended way to get quotes is to use a rate comparison form click to view form in new window. This method saves time by eliminating boring form submissions for every auto insurance company. In just a few minutes this one form gets rate comparisons from all major companies.
  • A more difficult way to compare rate quotes is spending the time to visit the website of each company to complete a price quote. For example, let's assume you want rates from , and . To get rate quotes you would need to visit each site and enter your policy data, and that's why the first method is more popular. To view a list of companies in Germantown, click here.
  • The least efficient way to get comparison rates to local Germantown insurance agencies. The internet has reduced the need for local agents unless you have a need for the professional guidance of a local Germantown agent. You can, however, get the lowest quotes online and still use a local agent. We'll cover that shortly.

It doesn't matter which method you choose, just ensure you're using apples-to-apples information for every company. If you compare higher or lower deductibles you will not be able to decipher which rate is best in Germantown. Just a small difference in coverage limits can make a big difference in price. And when price shopping your coverage, quoting more gives you a better chance of getting the best price.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Most are applied at quote time, but a few need to be requested specifically in order for you to get them.

  • Use Seat Belts - Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Homeowners Pay Less - Simply owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method - If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Accident Free - Claim-free drivers can save substantially when compared to bad drivers.

It's important to understand that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like it's possible to get free car insurance, it doesn't quite work that way. Any qualifying discounts will help reduce your overall premium however.

To see a list of insurance companies who offer auto insurance discounts in New York, follow this link.

Additional auto insurance information can be found on the website for the New York Department of Financial Services. Click here for link. New York consumers can find a variety of consumer forms, download brochures, view agent and company licensing information, and file complaints about a company.

Additional helpful sites include this site for auto insurance information in New York and this list of agents in Germantown, NY.