5 Tips Guaranteed to Save on Car Insurance Costs in Kenmore, NY

Are you intimidated by the wide range of car insurance companies in Kenmore? Lot's of other consumers are too. There are so many choices that it can turn into a ton of work to find lower rates.

Choosing the best insurance company for you in Kenmore is quite easy. If you are insured now or are shopping for new coverage, you can learn to find better prices while maintaining coverages. New York drivers only need an understanding of the tricks to find the lowest price online.

Don't pay full price with these 5 discounts

Companies offering auto insurance don't always advertise every discount very well, so the following is a list of both the well known and also the lesser-known car insurance savings. If you don't get every credit possible, you are throwing money away.

  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Clubs and Organizations - Being a member of a professional or civic organization could qualify you for a break when shopping for car insurance.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Discount for Life Insurance - Larger companies have a break if you buy a life insurance policy as well.

It's important to understand that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it doesn't quite work that way.

compare Kenmore car insurance rates

The car insurance bait and switch

Consumers in New York get pounded daily by advertisements that promise big savings by State Farm, Allstate and GEICO. They all say the same thing of big savings if you move to their company.

But how can every company claim to save you money? It's all in the numbers.

All companies are able to cherry pick for the driver that earns them a profit. A good example of a driver they prefer might be over the age of 50, has no driving citations, and drives newer vehicles. Any new insured who fits that profile will get the preferred rates and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will be quoted higher rates which usually ends up with the customer not buying. The ads state "customers who switch" not "everyone that quotes" save that much. That's the way insurance companies can confidently claim big savings. This emphasizes why you should get as many quotes as possible. It's just too difficult to predict which car insurance company will give you the biggest savings.

Learn more about New York car insurance

More tips and info about car insurance can be read at the New York Department of Financial Services website. Visitors are able to view a list of available companies, find out which companies have the most complaints, and download brochures.

Also read more on this site for car insurance rates in New York and this list of insurance agents in Kenmore, NY.

In the end, you save

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, policy cancellation and even policy non-renewal. Regardless of your reason, finding a new car insurance company is less work than it seems.

Low-cost car insurance is definitely available both online and also from your neighborhood Kenmore agents, and you should be comparing both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed full coverage and found out when filing a claim that it was a big mistake. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.