Comparison Shop Huntington Car Insurance Prices With These Tricks

Finding affordable Huntington car insurance on the internet is intimidating for consumers new to shopping for insurance online. Since there are so many online companies, how can you even start to compare the different rates to find the best available price?

Policy discounts you shouldn't miss

Auto insurance companies do not list all available discounts very well, so here is a list both the well known and also the lesser-known car insurance savings.

Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
Student in College - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
Auto/Home Discount - If you have multiple policies with one company you could get a discount of at least 10% off all policies.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
Clubs and Organizations - Being a member of a professional or civic organization could qualify you for a break when buying car insurance.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

The following are some of the factors used by your company to calculate premiums.

Increase deductibles and save - Your deductibles represent how much money you are required to spend in the event of a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more money you have to pay, the bigger discount you will receive.
Older drivers pay less - Youthful drivers in New York are known to get distracted easily when driving so car insurance rates are higher. If you've ever had to add a young driver onto a policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and are safer drivers.
Big city or small town - Residing in small towns and rural areas is a positive aspect when talking about car insurance. City drivers tend to have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
Bundling policies can get discounts - Many companies will award you with lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to compare other company rates to verify if the discount is saving money.
Liability coverage protects you - Liability coverage is the protection if you are found liable for personal injury or accident damage. It provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.

Insurance agents can help

When it comes to buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

Can I afford to buy a different vehicle if my vehicle is totaled?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?
Do I need PIP (personal injury protection) coverage in New York?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Do I qualify for additional discounts?
Why am I required to get a high-risk car insurance policy?
Should I put collision coverage on all my vehicles?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Save $429 a year? Really?

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies say the same thing about savings after switching your coverage to them. But how can every company claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the type of customer that earns them a profit. An example of a profitable customer might be a mature driver, insures multiple vehicles, and has great credit. Any driver who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't qualify for this ideal profile must pay higher rates which usually ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully advertise the savings. This illustrates why drivers should quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings.

More sites with car insurance information

Even more information is available at the New York Department of Financial Services website. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, and view agent and company licensing information.

Also read more on this link for New York car insurance quotes and this page for help finding agents in Huntington, NY.

Shop smart and save

Cheap car insurance can be purchased both online as well as from independent agents in Huntington, and you need to price shop both to get a complete price analysis. There are still a few companies who don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, do not skimp on coverage in order to save money. In too many instances, drivers have reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Consumers change insurance companies for a variety of reasons including lack of trust in their agent, not issuing a premium refund, policy non-renewal and even policy cancellation. No matter why you want to switch, finding a new car insurance company is less work than it seems.