How to Know You're Throwing Money Away for Auto Insurance in Ilion

Are you sick and tired of being strong-armed each month for car insurance? Your situation is no different than many other drivers in New York.

You have multiple to buy insurance from, and though it is a good thing to be able to choose, having more makes it harder to compare rates.

It's important to do rate comparisons before your policy renews because prices are constantly changing. Even if you think you had the lowest price six months ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because we're going to demonstrate how to quote online to reduce your cost while improving coverage.

Finding affordable coverage in Ilion is quite easy. If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Nevertheless, New York drivers do need to know how companies market insurance on the web because it can help you find the best coverage.

Why some people pay less for insurance in Ilion

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates allows you to make educated decisions that may reward you with lower auto insurance prices.

Shown below are a partial list of the pieces companies use to determine rates.

  • Men are more aggressive - The statistics show that women are safer drivers than men. Now that doesn't mean women are better drivers. Women and men have accidents in similar numbers, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.
  • Your stress level may be raising your rates - Jobs such as judges, architects and financial analysts tend to pay higher average rates because of job stress and lengthy work days. Conversely, occupations like farmers, engineers and retirees have the lowest average rates.
  • Don't get talked into coverage you don't need - There are quite a few extra bells and whistles that you can buy on your auto insurance policy. Coverages for vanishing deductibles, towing coverage and motor club memberships are examples of these. They may seem good when you first buy your policy, but if you don't need them eliminate them to save money.
  • Marriage brings a discount - Having a wife or husband helps lower the price when buying auto insurance. It is viewed as being more mature and responsible and it's proven that drivers who are married are more cautious.
  • Bump up deductibles to save - Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims could be a windshield shattered by a rock, damage caused by hail, or theft. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more you're willing to pay, the less your company will charge you for insurance.
  • Do you qualify for a multi-policy discount? - Some companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by buying auto insurance from a different company.
  • Special features that cut premiums - Driving a car with an alarm system can get you a discount on your auto insurance. Theft prevention devices like GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Proper usage rating affects rates - The higher the mileage driven every year the more you will pay for auto insurance. Most companies apply a rate determined by how the vehicle is used. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.

Ilion auto insurance comparison

Cheap Ilion Auto Insurance Comparisons

The are a couple different ways of comparing price quotes and find the best price. One of the best ways to find competitive insurance rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

  1. The fastest way to get the best comparison quotes is a comparison rater form click to view form in new window. This method eliminates the need for boring form submissions for every auto insurance company. In just a few minutes this one form will get you price quotes from all major companies.
  2. A more difficult way to shop for auto insurance online requires a visit to each company's website to complete their respective quote request forms. For examples sake, let's assume you want rates from , and . To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular.

    For a list of links to companies insuring cars in Ilion, click here.

Which method you use is up to you, but ensure you're using identical coverage limits on every quote you get. If the quotes have differing limits it's impossible to determine which rate is truly the best in Ilion. Just a small difference in coverage limits can mean a large discrepancy in price. And when price shopping your coverage, more quotes helps locate better pricing.

Policy discounts you shouldn't miss

Companies that sell car insurance don't always list all their discounts very clearly, so we researched both well-publicized as well as the least known auto insurance savings.

  • Save over 55 - If you're over the age of 55, you may receive reduced rates.
  • Accident Free - Claim-free drivers pay much less as compared to accident-prone drivers.
  • Drive Less and Save - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Sign Online - Certain companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
  • Bundle and Save - If you insure your home and vehicles with one company you will save up to 20% off your total premium.
  • Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.

It's important to understand that most credits do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, it doesn't quite work that way.

To choose companies with discount auto insurance rates in New York, follow this link.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to say the same thing of big savings if you change to them. How does each company make almost identical claims?

All companies can use profiling for the type of driver that makes them money. For instance, a desirable insured could possibly be between 25 and 40, is a homeowner, and has a high credit rating. A customer getting a price quote who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save money. That's why insurance companies can confidently state the savings. Because of the profiling, you need to get quotes from several different companies. It's impossible to know the company that will have the lowest rates.

More tips and info about auto insurance is located at the New York Department of Financial Services website. New York consumers can learn about insurance regulations, read industry bulletins, discover disciplinary actions, and get help finding coverage.

Shop smart and save

As you restructure your insurance plan, never reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability coverage limits only to discover later that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford.

Low-cost auto insurance is attainable online and with local Ilion insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.