Car Insurance in Hurley - 5 Discounts You Might be Unaware of

People who are new to buying insurance online will discover purchasing cheap Hurley car insurance quite challenging.

It's important to take a look at other company's rates occasionally since rates are constantly changing. Even if you got the lowest price a few years ago there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance online, so we're going to give you some great ways to reduce your car insurance bill.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Shopping for affordable coverage in Hurley is easy if you know what you're doing. Nevertheless, New York car owners do need to know how insurance companies price online insurance because it can help you find the best coverage.

Hurley Car Insurance Quote Comparison

There are several ways to compare rate quotes from different Hurley insurance companies. One of the best ways to compare insurance prices consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry to each individual car insurance company. A single form compares rates direct from many companies. This is perfect if you don't have a lot of time.
A different way to get quotes online is going to the website for each individual company to complete a price quote. For examples sake, we'll pretend you want to compare , and . To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is quicker. To view a list of companies in Hurley, click here.

It's up to you which method you use, but make absolute certain that you use the exact same coverage limits and deductibles with each company. If you use different liability limits you can't possibly make an equal comparison in Hurley. Quoting even small variations in coverage limits may cause a big price difference. And when quoting car insurance, remember that obtaining a wide range of quotes will enable you to find the best rates.

Save big with these 5 discounts

Car insurance is not cheap, but you can get discounts that many people don't even know exist. Some discounts apply automatically at the time of quoting, but a few must be manually applied before you will receive the discount.

Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
Theft Prevention System - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
55 and Retired - If you're over the age of 55, you may qualify for better car insurance rates.
Multi-car Discount - Insuring more than one vehicle with the same company can get a discount on all vehicles.
Organization Discounts - Belonging to certain professional organizations is a good way to get lower rates on your policy.

It's important to understand that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will cut your overall premium however.

To choose providers offering car insurance discounts in Hurley, click here to view.

Car insurance ads bend the truth

Companies like Allstate and Progressive constantly bombard you with ads on TV and radio. All the ads make an identical promise of big savings if you switch to their company. How do they all make the same claim? It's all in the numbers.

All the different companies have a certain "appetite" for the driver that makes them money. For instance, a preferred risk could be over the age of 50, owns a home, and has a short commute. Any new insured who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will be charged more money and ends up with business going elsewhere. The ads state "customers who switch" not "people who quote" save that much. That is how insurance companies can confidently make the claims of big savings.

That is why you need to get as many quotes as possible. It's just too difficult to predict which company will fit your personal profile best.

But I don't know anything about car insurance

When buying the best car insurance coverage for your vehicles, there is no "perfect" insurance plan. Your needs are not the same as everyone else's.

These are some specific questions might point out if your situation may require specific advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need special endorsements for business use of my vehicle?
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?
Am I covered when driving on a suspended license?
Am I getting all the discounts available?
Are there companies who specialize in insuring high-risk drivers?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Additional car insurance information is located on the New York Department of Financial Services website found here. Consumers can find out industry alerts, read consumer alerts, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

As you shop your coverage around, never reduce coverage to reduce premium. Too many times, an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Low-cost car insurance can be found from both online companies and also from your neighborhood Hurley agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

People switch companies for a variety of reasons including policy cancellation, lack of trust in their agent, not issuing a premium refund or even questionable increases in premium. Whatever your reason, finding a new car insurance company is easier than you think.