Finding the Cheapest Lake Grove Auto Insurance

Nobody I know looks forward to paying for auto insurance, particularly when the cost is too high. Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with ad campaigns and it can be hard to sift through the bull and take the time to shop coverage around.

If you have insurance now or are looking for a new policy, you can follow these tips to get lower rates while maintaining coverages. Buying car insurance in Lake Grove is easy if you know what you're doing. New York vehicle owners just need to know the tricks to get comparison rates online.

Save big with these discounts

Car insurance companies don't necessarily list every discount in a way that's easy to find, so the following is a list of both the well known as well as the least known auto insurance savings. If you aren't receiving every discount you qualify for, you're paying more than you need to.

Military Rewards - Having a deployed family member could mean lower rates.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
Theft Prevention System - Anti-theft and alarm systems help deter theft and will save you 10% or more.
Payment Discounts - If you pay your bill all at once instead of paying each month you can actually save on your bill.
Accident Forgiveness - A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
Early Signing - Some insurance companies reward drivers for buying a policy before your current expiration date. This can save 10% or more.
Multi-car Discount - Insuring more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
Senior Citizens - Mature drivers may qualify for reduced rates.
Accident Free - Good drivers with no accidents pay less when compared to bad drivers.
Homeowners Savings - Simply owning a home may trigger a auto insurance policy discount because owning a home demonstrates responsibility.

Drivers should understand that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn't make money that way.

To see a list of insurance companies offering auto insurance discounts in Lake Grove, follow this link.

Lake Grove Auto Insurance Quote Comparison

Finding cheaper auto insurance prices is actually quite simple. You just have to take a few minutes to compare quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The best way to get quotes is to use a rate comparison form like this one (opens in new window). This method eliminates the need for separate forms to each individual auto insurance company. A single form compares rates from several companies.
A slightly less efficient method to get quotes online is going to the website of each company and request a quote. For instance, let's say you want to compare , and . To find out each rate you need to go to every website and enter your information, which is why the first method is more popular.

To view a list of companies in Lake Grove, click here.

It doesn't matter which method you choose, just make absolute certain that you use exactly the same coverage limits and deductibles with every price quote. If you use different liability limits it's not possible to find the best deal in Lake Grove.

What determines how much you pay?

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

Equipment add-ons that lower auto insurance rates - Owning a car with an alarm system can help bring down rates. Anti-theft features such as GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
Better credit means lower rates - Having a bad credit score is a important factor in determining your rates. So if your credit score is lower than you'd like, you could pay less to insure your by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.
Bundling policies can get discounts - Most companies provide better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to compare rates to make sure you are getting the best deal.
Battle of the sexes - Statistics show women are more cautious behind the wheel. That doesn't necessarily mean that women are better drivers. They both tend to get into accidents at a similar rate, but the men cause more damage. Men also statistically get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.

But I don't know anything about car insurance

When choosing coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. These are some specific questions might point out if your situation may require specific advice.

Am I covered when pulling a rental trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?
Does my policy cover me when driving someone else's vehicle?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance ads bend the truth

Consumers in New York can't get away from ads for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all say the same thing that you'll save big if you switch to them.

How can each company claim to save you money?

All the different companies have a certain "appetite" for the type of driver that is profitable for them. A good example of a driver they prefer might be over the age of 50, owns a home, and has great credit. A customer getting a price quote who fits that profile is entitled to the best price and most likely will save when they switch companies.

Potential customers who fall outside the requirements will be quoted a more expensive rate which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save money. That is how companies can advertise the savings. This emphasizes why drivers must compare as many rates as you can. It's impossible to know which company will give you the biggest savings.

Best coverage at the best price

As you prepare to switch companies, it's not a good idea to reduce coverage to reduce premium. There have been many situations where an insured cut full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

Budget-conscious auto insurance can be found both online and with local Lake Grove insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and these small insurance companies work with independent agents.

For more New York car insurance information

More detailed New York auto insurance information can be read at the New York Department of Financial Services website. Visitors are able to view a list of available companies, find out industry alerts, read consumer alerts, and learn about insurance regulations.