7 Shopping Tips Guaranteed to Save on Car Insurance Costs in Hamburg, NY

Are you sick and tired of not being able to afford each month for car insurance? You're in the same situation as the majority of other car owners in New York.

Having so many insurance companies to choose from, it's difficult to find the lowest cost insurance company.

How much can you save with these seven discounts?

Companies offering auto insurance do not advertise every discount very well, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving.

  • No Claims - Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Driver's Ed - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
  • Sign Early and Save - Select companies give a discount for switching to them prior to your current policy expiration. It can save you around 10%.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Pay Upfront and Save - By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Military Discounts - Being deployed with a military unit can result in better rates.

Keep in mind that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. Just because you may think you would end up receiving a 100% discount, it just doesn't work that way.

To choose insurance companies with the best car insurance discounts in New York, click here.

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like Progressive, Allstate and GEICO regularly use television and radio advertisements. They all have a common claim that you can save if you move your policy. But how can every company make the same claim? This is how they do it.

Different companies can use profiling for the right customer that makes them money. For example, a driver they prefer could be over the age of 40, has no tickets, and has great credit. Any new insured that hits that "sweet spot" will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile will be quoted higher prices and this can result in business going elsewhere. The ads say "drivers who switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can advertise the savings. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

Additional detailed information can be found at the New York Department of Financial Services website. Consumers can read industry bulletins, download brochures, file complaints about a company, and view a list of available companies.

Other informative sites include this online resource for car insurance quotes in New York and this list of insurance agents in Hamburg.

compare Hamburg car insurance rates

Affordable insurance is out there

You just learned a lot of techniques to save on car insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with a lesser-known regional company. Some small companies can often insure niche markets at a lower cost compared to the large companies like .

Affordable car insurance is definitely available from both online companies in addition to many Hamburg insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not provide online price quotes and these regional insurance providers work with independent agents.