How to Know You're Spending Too Much for Car Insurance in Groton

Having to pay for overpriced car insurance can take a big chunk out of your checking account and force you to make sacrifices. Comparing price quotes is a great way to cut your insurance bill. Popular companies such as GEICO and Progressive constantly bombard you with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to compare prices on a regular basis because rates are constantly changing. If you had the best deal six months ago you can probably find a lower rate today. So ignore everything you know about car insurance because you're going to learn the only way to find lower rates on car insurance.

If you are insured now or are shopping for new coverage, you can follow these tips to find the best rates and still get good coverage. Finding affordable coverage in Groton is quite easy. New York drivers only need an understanding of the proper methods to compare company rates online.

New York car insurance

Car Insurance Prices in Groton, New York

Shopping for lower car insurance rates can be exhausting if you aren't aware of the most efficient way to do it. You can spend countless hours driving to local insurance agents in Groton, or you could use the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and at least one company can provide price quotes based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is that consumers can't choose the providers you will receive quotes from. So if you want to choose specific insurance companies to request quotes from, we have a listing of companies who write car insurance in New York. View list of New York insurance companies.

However you get your quotes, ensure you are comparing exactly the same deductibles and coverage limits for each comparison quote. If each company quotes different values for each quote you can't possibly determine the lowest rate in Groton.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise every available discount in a way that's easy to find, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Own a Home - Being a homeowner can save you money because of the fact that having a home requires personal responsibility.
  • Drivers Ed for Students - Have your child take driver's ed class in high school.
  • Government Employees - Being employed by or retired from a federal job may qualify you for a discount with certain companies.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • Pay Upfront and Save - By paying your policy upfront instead of paying each month you could save up to 5%.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you could get a discount of approximately 10% to 15%.
  • Theft Prevention System - Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don't profit that way.

To see a list of providers with the best car insurance discounts in Groton, click here.

For more New York car insurance information

More tips and info about car insurance is available at the New York Department of Financial Services website. Consumers can file complaints about a company, get help finding coverage, download brochures, and report car insurance fraud.