Top Ways to Save on Highland Falls Auto Insurance

Having to pay for overpriced auto insurance can drain your checking account and put the squeeze on your family's finances. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income. Multiple compete to insure your vehicles, and because of this it can be hard to compare to discover the definitive lowest price

It's important to compare rates yearly since insurance rates are constantly changing. Just because you found the best deal a few years ago you will most likely find a better rate today. So ignore everything you know about auto insurance because it's time to teach you the proper way to properly buy coverages and cut your premium.

If you have a policy now or are shopping for new coverage, you can learn to find better prices while maximizing coverage. Finding affordable coverage in Highland Falls is quite easy. New York drivers only need an understanding of the best way to compare rates on the web.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but there could be available discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some must be manually applied prior to receiving the credit. If they aren't giving you every credit you deserve, you are throwing money away.

Accident Waiver - A few companies will allow you to have one accident before your rates go up as long as you don't have any claims for a set time period.
Life Insurance - Larger companies have lower rates if you buy life insurance.
Clubs and Organizations - Affiliation with certain professional organizations is a good way to get lower rates on auto insurance.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
Own a Home - Owning a house in Highland Falls can help you save on auto insurance because maintaining a house requires personal responsibility.
No Accidents - Drivers who don't have accidents can earn big discounts as compared to drivers who are more careless.
Service Members Pay Less - Being on active duty in the military could be rewarded with lower premiums.
Good Student Discount - Performing well in school can earn a discount of 20% or more. The discount lasts up until you turn 25.

Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will cut the amount you have to pay.

Insurance agents can help

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured's situation is different so your insurance should reflect that For example, these questions can help discover whether your personal situation will benefit from professional help.

I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Are rental cars covered under my policy?
Am I getting all the discounts available?
Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
What are the financial responsibility laws in New York?

If you're not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.

Save $429 a year? Really?

New York drivers get pounded daily by advertisements for car insurance savings by State Farm, GEICO and Progressive. They all seem to make an identical promise of big savings if you change to their company.

How do they all say the same thing? This is how they do it.

Insurance companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured might be profiled as between the ages of 40 and 55, has no prior claims, and has a short commute. A propective insured who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay higher prices and ends up with business not being written. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. This is how insurance companies can confidently make the claims of big savings.

Because of the profiling, you should get as many quotes as possible. It's not possible to predict which insurance companies will fit your personal profile best.

Learn more about auto insurance in New York

Additional auto insurance information is available on the website for the New York Department of Financial Services. Click here for link. New York drivers can get help finding coverage, file complaints about an insurance agent or broker, find out which companies have the most complaints, and view a list of available companies.

And the best car insurance company is...

Cost effective auto insurance can be sourced on the web and also from your neighborhood Highland Falls agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find for the lowest price.