Comparing Cheap Goldens Bridge Auto Insurance

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers in New York.

You have multiple to buy insurance from, and though it is a good thing to have a choice, having more makes it harder to compare rates.

It's important to do rate comparisons once or twice a year because prices are constantly changing. Just because you found the best deal six months ago you may be paying too much now. Starting now, forget all the misinformation about auto insurance because you're going to get a crash course in the only way to remove unneeded coverages and save money.

Finding the best rates in Goldens Bridge is easy if you know what you're doing. If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. But New York consumers do need to know how companies sell online and take advantage of how the system works.

Compare the Market for Auto Insurance in Goldens Bridge

Most major insurance companies like Allstate and Progressive give pricing directly from their websites. This process is pretty easy as you simply enter the amount of coverage you want as detailed in the form. Behind the scenes, the system will obtain credit information and your driving record and generates pricing information. Quoting online makes comparing rates easy, but the time it takes to visit several different sites and fill out multiple forms is not the best way to spend an afternoon. But it's very important to compare as many rates as possible in order to get better auto insurance pricing.

A less time-consuming method to find cheaper rates uses one form to return rates from several different companies. The form is fast, eliminates form submissions, and makes online shopping much more enjoyable and efficient. Once the form is submitted, your coverage is rated with multiple companies and you can pick any one of the returned quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process takes just a few minutes to complete and you will know how your current rates stack up.

To find out what other companies charge, click here to open in new window and complete the simple form. If you have a policy now, it's recommended that you enter the limits and deductibles just like they are on your policy. This way, you will be getting comparison quotes based on similar coverages.

Goldens Bridge auto insurance quote

Why some people pay less for insurance in Goldens Bridge

It's important that you understand some of the elements that play a part in calculating the rates you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that can help you get better auto insurance rates.

Shown below are some of the factors companies use to determine your rates.

  • Do you qualify for a multi-policy discount? - Some companies give discounts to insureds who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it's in your best interest to shop around to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from more than one company.
  • Special features that cut premiums - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Don't sacrifice liability coverage - Your policy's liability coverage will protect you in the event that you are found liable for damages from an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Your spouse saves you money - Being married helps lower the price when buying auto insurance. Marriage is viewed as being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Males pay more for insurance - The statistics show that women are safer drivers than men. Now that doesn't mean women are better drivers. Men and women are in accidents at about the same rate, but men tend to have more serious accidents. Men also get cited for more serious violations like DUI and reckless driving.
  • Low deductibles can be expensive - Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be running into the backend of another car, collision with an animal, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more money you're willing to pay, the less your company will charge you for insurance.
  • Small claims can cost you - If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Insurance companies in New York provide lower rates to people who file claims infrequently. Car insurance is intended for major claims that would cause financial hardship.

These discounts can lower your rates

Car insurance companies don't always publicize every available discount very clearly, so here is a list both the well known and the harder-to-find auto insurance savings.

  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Multiple Cars - Buying coverage for all your vehicles on one policy qualifies for this discount.
  • E-sign - Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
  • One Accident Forgiven - Certain companies will allow you to have one accident without raising rates if you are claim-free for a certain period of time.
  • Homeowners Pay Less - Being a homeowner may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • Drivers Education - Require your teen driver to take driver's ed class if offered at their school.
  • Accident Free - Claim-free drivers can earn big discounts compared to frequent claim filers.
  • Discount for Swiching Early - Select companies give a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Club Memberships - Being a member of a qualifying organization could qualify you for a break on your policy.

Drivers should understand that most credits do not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like you could get a free auto insurance policy, companies wouldn't make money that way.

For a list of providers with discount auto insurance rates in New York, follow this link.

More detailed New York auto insurance information is available at the New York Department of Financial Services website. Visitors are able to read consumer alerts, view a list of available companies, find out which companies have the most complaints, and get help finding coverage.

compare Goldens Bridge auto insurance rates

Final considerations

As you restructure your insurance plan, never reduce needed coverages to save money. Too many times, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Budget-conscious auto insurance can be sourced both online and with local Goldens Bridge insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.