Comparing Cheaper Islip Auto Insurance

Are you tired of scraping the payment together each month for car insurance? You are no different than many other New York consumers.

Lots of contend for your insurance dollar, so it's not easy to compare every to get the lowest rate

It's important to shop coverage around once or twice a year because insurance rates are constantly changing. Despite the fact that you may have had the best deal a year ago you may be paying too much now. Starting now, forget all the misinformation about auto insurance because you're about to learn the proper way to find better rates and still maintain coverage.

If you currently have car insurance, you will most likely be able to save some money using these methods. Buying car insurance in Islip is easy if you know what you're doing. But New York drivers do need to know how the larger insurance companies compete online and take advantage of how the system works.

Compare the Market for Auto Insurance in Islip

There are several ways of comparing rate quotes and find the best price. The recommended way to find competitive insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

The first (and easiest) way to find low rates is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating repetitive form submissions for each company. Taking the time to complete one form will get you rate comparisons from multiple companies.

A less efficient way to compare rate quotes requires you to visit each individual company website to complete a price quote. For sake of this example, let's say you want rates from , and . You would have to spend time on each company's site and enter your policy data, which is why the first method is quicker. To view a list of companies in Islip, click here.

The least recommended way to get comparison rates is to spend your day driving to local Islip insurance agencies. Shopping for auto insurance online makes this process obsolete unless you want the personal advice of a licensed agent. However, consumers can compare the best prices online and still use a local agent.

It's your choice how you get your quotes, but double check that you are using the exact same coverage information for every company. If each company quotes unequal deductibles or liability limits you can't possibly decipher which rate is best in Islip. Quoting even small variations in insurance coverages may result in large price differences. It's important to know that comparing more company's prices will increase your chances of finding the best offered rates.

Tips to Get Lower Islip Rates

It's important that you understand the different types of things that help determine the price you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with better auto insurance rates.

Pay less after the wedding - Being married can get you a discount on your policy. It translates into being more mature than a single person and statistics show drivers who are married are more cautious.
Lower rates with optional equipment - Driving a car with a theft deterrent system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder car theft.
Men pay higher rates - The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women tend to get into accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and thus pay the highest rates.
Choose a safe vehicle and save - Safer cars can get you lower premiums. These vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and lower rates for you.
Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Jobs such as doctors, business owners and accountants have higher rates than average due to stressful work requirements and long work hours. On the flip side, professions such as farmers, athletes and performers get better rates.
Traffic violations increase rates - Your driving citation history impacts your car insurance rates tremendously. Just one speeding ticket can bump up the cost by twenty percent. Drivers who don't get tickets get better rates compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to file a SR-22 with their state DMV in order to keep their license.
How many coverages with the same company - Many insurers will give a discount to customers who carry more than one policy. It's known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, it's still a good idea to shop around to verify if the discount is saving money. You may still find better rates by buying insurance from more than one company.

Take advantage of discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but some must be specifically requested in order for you to get them.

Homeowners Pay Less - Owning a house in Islip can help you save on auto insurance due to the fact that maintaining a home requires personal responsibility.
Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
Save over 55 - Older drivers may be able to get a small decrease in premiums.
Drive Less and Save - Fewer annual miles can qualify you for discounted rates on garaged vehicles.
Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.
Early Switch Discount - Some companies give discounts for switching policies before your current policy expires. It's a savings of about 10%.
Student Driver Training - Require your teen driver to complete a driver education course if it's offered in school.
Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

Consumers should know that most discounts do not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way. But all discounts will cut your overall premium however.

For a list of companies who offer auto insurance discounts in Islip, click here to view.

Much more information about auto insurance in New York is available on the website for the New York Department of Financial Services found here. New York consumers can get help finding coverage, view a list of available companies, learn about insurance regulations, and find disaster information.

Shop smart and save

Discount auto insurance can be bought online as well as from independent agents in Islip, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies don't offer online quoting and most of the time these smaller companies sell through independent agents.

While you're price shopping online, you should never reduce needed coverages to save money. In many cases, an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to get the best coverage possible at the best price.