7 Tricks Shown to Slash the Cost of Car Insurance Costs in Hauppauge, NY
Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you there are lots of people in the same boat. You have multiple to buy insurance from, and although it's a good thing to have a choice, having more makes it harder to compare rates.
It's important to do rate comparisons every six months since rates are constantly changing. If you had the best price six months ago you may be paying too much now. Block out anything you think you know about car insurance because we're going to demonstrate the fastest and easiest way to get good coverage at a lower rate.
How to Compare Car Insurance Quotes in Hauppauge, New York
Shopping for lower car insurance rates can take hours if you don't know the best way to get rate quotes. You could spend your day talking to local insurance agents in Hauppauge, or you could save time and use the internet to achieve your goal.
All the larger companies take part in a program that allows shoppers to send in one quote, and each company then gives them pricing based on the submitted data. This eliminates the need for quote forms to each individual car insurance company.
To submit your quote information now, click here (opens in new window).
The one downside to comparing rates this way is you don't know exactly which companies to receive prices from. If you prefer to choose specific providers to receive pricing from, we put together a list of car insurance companies in New York. View list of New York insurance companies.
It doesn't matter which method you choose, just ensure you are comparing identical coverages on every quote you get. If you enter different limits and deductibles on each one it will be impossible to determine which rate is truly the best in Hauppauge.
Be sure to get all your discounts
Companies that sell car insurance do not list all their discounts very clearly, so we took the time to find both the well known as well as the least known car insurance savings. If you're not getting every credit possible, you're just leaving money on the table.
- Senior Citizens - Older drivers can possibly qualify for reduced rates.
- Club Memberships - Being a member of a qualifying organization could qualify you for a break on car insurance.
- Accident Free - Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
- No Charge for an Accident - Certain companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
- Bundle and Save - When you have multiple policies with one company you may save up to 20% off your total premium.
- Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
- Discount for Good Grades - Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.
For a list of companies with the best car insurance discounts in New York, follow this link.
Even more information can be found at the New York Department of Financial Services website. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, read industry bulletins, and get help finding coverage.
In the end, you save
As you restructure your insurance plan, never reduce needed coverages to save money. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford.
Cheaper car insurance is definitely available both online and with local Hauppauge insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.
