5 Ways You Can Buy Car Insurance for Less in Lake Ronkonkoma New York

Comparison shopping for Lake Ronkonkoma car insurance is difficult for consumers not familiar with shopping for insurance online. You have so many companies to choose from that it can turn into a lot of work to find the best price in Lake Ronkonkoma.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Buying affordable protection in Lake Ronkonkoma is simple if you know the tricks. But New York consumers do need to know how insurance companies sell online and take advantage of how the system works.

Compare the Market for Car Insurance in Lake Ronkonkoma

The are a couple different ways to get quotes and find the best price. One of the best ways to find the cheapest insurance rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

  1. The fastest way to compare a lot of rates at once is a comparison rater form click to view form in new window. This method prevents you from having to do separate quotes for every car insurance company. Taking the time to complete one form gets you price quotes instantly. It's the fastest way to compare.
  2. A more time consuming way to shop for car insurance online requires visiting the website of each company 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 and enter your policy data, which is why the first method is quicker.

    For a list of links to companies insuring cars in Lake Ronkonkoma, click here.
  3. The least efficient way to get comparison rates is to drive around to insurance agents' offices. Shopping for car insurance online eliminates the need for an insurance agent unless you want the personal advice of a local Lake Ronkonkoma agent. You can, however, find lower rates online but buy from a local insurance agent and we'll cover that in a bit.

Whichever way you use, double check that you are using the exact same quote information on every quote you get. If the quotes have mixed coverages you can't possibly determine which rate is truly the best in Lake Ronkonkoma. Just a small difference in insurance coverages can result in a big premium difference. It's important to know that comparing a large number of companies will increase your chances of finding the best offered rates.

Policy discounts you shouldn't miss

Auto insurance companies don't list every discount in an easy-to-find place, so here is a list both the well known and also the lesser-known car insurance savings.

  • Claim Free - Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Paperwork-free - Certain companies may give you up to $50 for buying a policy and signing up on their website.
  • Driver Safety - Completing a defensive driving course could save 5% or more if your company offers it.
  • Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, companies don't profit that way.

To choose insurance companies who offer car insurance discounts in Lake Ronkonkoma, follow this link.

Save $429 a year? Really?

Car insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all say the same thing that you'll save big after switching your coverage to them. How do they all claim to save you money? It's all in the numbers.

All companies can use profiling for the type of customer that makes them money. An example of a driver they prefer might be over the age of 50, has no tickets, and drives less than 7,500 miles a year. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will be quoted a higher premium which usually ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That's why companies can advertise the way they do. This emphasizes why you need to quote coverage with many companies. It's just too difficult to predict the company that will provide you with the cheapest rates.

More detailed New York car insurance information is available at the New York Department of Financial Services website. Visitors are able to read industry bulletins, view a list of available companies, and get help finding coverage.

compare Lake Ronkonkoma car insurance rates

Do the work, save more money

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, an unsatisfactory settlement offer or even delays in responding to claim requests. No matter why you want to switch, finding a new car insurance company is easier than you think.

Discount car insurance can be sourced both online as well as from independent agents in Lake Ronkonkoma, and you should be comparing both to have the best selection. Some car insurance companies don't offer online price quotes and these smaller companies work with independent agents.

When shopping online for car insurance, you should never reduce coverage to reduce premium. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best price while still protecting your assets.