Best Way to Find Cheap Glen Head Auto Insurance

Finding the most affordable Glen Head auto insurance on the web is rather challenging for people who are new to shopping for insurance online. Because there are so many companies in the marketplace, how can consumers effectively compare them all to find the cheapest available price?

More discounts equal less premium

Companies that sell car insurance don't list all available discounts very clearly, so the following is a list of both well-publicized and also the lesser-known ways to save on auto insurance. If you're not getting every credit you deserve, you are throwing money away.

Driver Safety - Taking part in a course in driver safety could cut 5% off your bill if you qualify.
Student in College - Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Fewer Miles Equal More Savings - Fewer annual miles could qualify for better rates on cars that stay parked.
Early Switch Discount - Some companies give discounts for switching policies prior to your current policy expiring. It's a savings of about 10%.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you won't be that lucky.

It's not one size fits all

When it comes to buying coverage for your personal vehicles, there isn't really a one size fits all plan. Every situation is different.

Here are some questions about coverages that may help you determine if you would benefit from professional advice.

Should I rate my vehicle as pleasure use or commute?
Do I pay less if my vehicle is kept in my garage?
When does my teenage driver need to be added to my policy?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Should I have combined single limit or split liability limits?
Does my car insurance cover rental cars?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If it's difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and you can get the answers you need.

Switch companies and save? Really?

New York consumers get pounded daily by advertisements for car insurance savings from the likes of 21st Century, Allstate and State Farm. All the companies make the same claim about savings after switching your coverage to them.

How does each company make almost identical claims? It's all in the numbers.

All the different companies have a preferred profile for the type of customer that earns them a profit. A good example of a profitable customer could possibly be a mature driver, insures multiple vehicles, and has great credit. A driver who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Potential insureds who do not match these standards must pay more money which leads to the driver buying from a lower-cost company. The ad wording is "customers who switch" not "everyone that quotes" save that much money. This is how companies can truthfully advertise the savings. This illustrates why you should get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings.

More sites with auto insurance information

Even more information can be read at the New York Department of Financial Services website. New York consumers can discover disciplinary actions, read enforcement actions against agents and companies, and view agent and company licensing information.

Also read more on this resource for New York auto insurance prices and this link which helps you find a Glen Head agent.

In the end, you save

Cheaper auto insurance can be purchased online as well as from independent agents in Glen Head, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don't offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don't buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

In this article, we presented some good ideas how to reduce auto insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with some of the smallest insurance companies.