7 Money Saving Ideas Guaranteed to Lower Car Insurance Costs in Holmes

I can't think of a single person who enjoys paying for car insurance, particularly when they are paying too much.

Since consumers have many choices of insurance companies, it is hard for the average consumer to choose the lowest cost company.

Finding Car Insurance in Holmes, NY

Most major insurance companies allow you to get insurance quotes on the web. Getting quotes doesn't take much effort as you just enter your coverage preferences as detailed in the form. Behind the scenes, the system will obtain information on your driving record and credit history and returns pricing information based on these and other factors. This makes it a lot easier to compare rates but the time it takes to visit each company's website and repetitively type in the same information gets old quite quickly. But it's very important to have as many quotes as possible in order to find better car insurance pricing.

There is a better way!

A less time-consuming method to get multiple rate quotes is to use a quote form to get prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes online price comparison much more efficient. Immediately after you send the form, it is rated and you are able to buy any or none of the returned quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and enter your information. If you have your current policy handy, we recommend you copy coverages and limits as shown on your current policy. This way, you're receiving comparison quotes based on similar coverages.

These seven discounts can lower your rates

Companies don't list all available discounts very well, so the following is a list of both the well known and the more hidden car insurance savings.

  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
  • Auto/Home Discount - When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Federal Employees - Simply working for the federal government may qualify you for a discount depending on your company.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Save with a New Car - Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • No Claims - Good drivers with no accidents pay less when compared with frequent claim filers.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you could save 5% or more.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, it just doesn't work that way.

For a list of insurers with the best car insurance discounts in New York, follow this link.

Different people need different coverages

When it comes to choosing coverage for your vehicles, there really is no "best" method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions might point out whether you might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Should I buy only the required New York minimum liability coverage?
  • Can I still get insurance after a DUI?
  • What companies insure drivers after a DUI or DWI?
  • What can I do if my company won't pay a claim?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Additional detailed information can be read at the New York Department of Financial Services website. Visitors are able to report car insurance fraud, read consumer alerts, download brochures, and file complaints about a company.

Other useful links include this page for New York car insurance and this page for help finding agents in Holmes, NY.

Holmes car insurance quote

Affordable insurance is out there

Affordable car insurance is definitely available both online in addition to many Holmes insurance agents, so compare prices from both to have the best chance of lowering rates. Some car insurance companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, don't be tempted to reduce needed coverages to save money. In too many instances, an insured cut collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.