7 Tips Guaranteed to Slash the Cost of Car Insurance Costs in Homer

Expensive car insurance can take a big chunk out of your personal savings and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill. Because you have many companies to choose from, it's difficult to pick the lowest cost insurance company.

It's important to compare prices quite often since rates are constantly changing. If you had the lowest rates last year you can probably find a lower rate today. So just ignore everything you know about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

Free Homer Car Insurance Quotes

Cutting your Homer car insurance rates isn't really that difficult. Just take time comparing rates provided by online insurance companies. This can be accomplished in several different ways.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate forms to each individual car insurance company. One form gets you coverage quotes from several companies.
  • A different way to compare rate quotes consists of going to each individual company website and fill out their own quote form. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker.

    To view a list of companies in Homer, click here.
  • The least recommended way of comparing rate quotes is to spend time driving to different Homer agent offices. Shopping for car insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed Homer agents. However, consumers can get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It's your choice how you get your quotes, but make darn sure you compare apples-to-apples coverages for each comparison quote. If you compare different limits and deductibles on each one then you won't be able to determine the lowest rate in Homer.

Take advantage of discounts

Companies don't always list all their discounts very well, so we break down some of the more common and also the lesser-known savings tricks you should be using. If you don't get every credit you deserve, you're paying more than you need to.

  • Sign Online - A handful of insurance companies will give a small break for buying your policy online.
  • 55 and Retired - Mature drivers can possibly qualify for a small decrease in premiums.
  • Government Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
  • Sign Early and Save - Some companies give discounts for switching to them before your current expiration date. It can save you around 10%.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • More Vehicles More Savings - Insuring multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • Accident Waiver - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

To see a list of companies with the best car insurance discounts in New York, click here to view.

How to know if you need help

When choosing adequate coverage for your personal vehicles, there really is no "perfect" insurance plan. Every situation is different so your insurance should reflect that These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Does medical payments coverage apply to all occupants?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I buy only the required New York minimum liability coverage?

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

More sites with car insurance information

Even more information can be found at the New York Department of Financial Services website. Consumers can get help finding coverage, learn about insurance regulations, download brochures, and file complaints about a company.

Additional helpful sites include this site for New York car insurance information and see this list of insurance agents in Homer.