Comparison Shop Lancaster Auto Insurance Prices With These Methods

Buying affordable Lancaster auto insurance on the internet can be problematic for consumers not familiar with comparison shopping online. With a ridiculous number of online companies, how can you possibly compare every company to locate the lowest price?

It's important to shop coverage around quite often because prices are constantly changing. Just because you had the best price a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because we're going to demonstrate the proper way to lower your rates without sacrificing coverage.

Lancaster auto insurance quote

Free Quotes for Auto Insurance in Lancaster, New York

There are several ways of comparing rates from local Lancaster auto insurance companies. The best method to compare insurance prices is to get quotes online. This can be done in a couple of different ways.

  • The recommended way to find low rates is to use a rate comparison form (click to open form in new window). This method eliminates the need for repetitive form submissions for each company you want a rate for. One form will return quotes from multiple companies. It's definitely the quickest method.
  • A slightly less efficient method to compare rate quotes is to take the time to go to the website for each individual company to complete their respective quote request forms. For instance, let's say you want comparison quotes from , and . To get each rate you have 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 Lancaster, click here.
  • The least efficient way to compare rates is to waste gas driving to insurance agents' offices. Shopping for auto insurance online has reduced the need for local agents unless you require the professional advice that only a license agent can provide. You can, however, get the lowest quotes online and still use a local agent. We'll cover that shortly.

It doesn't matter which method you choose, just make darn sure you compare identical coverages and limits on every quote you get. If you use different deductibles it's not possible to determine which rate is truly the best in Lancaster. Just a small difference in limits may result in large price differences. And when comparison shopping, comparing more company's prices helps you find a lower rate.

Take advantage of discounts

Car insurance companies don't always advertise every available discount very clearly, so we took the time to find both the well known as well as the least known auto insurance savings.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Save with a New Car - Insuring a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Good Student Discount - A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
  • E-sign - A few companies may give you up to $50 just for signing your application over the internet.

Keep in mind that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it just doesn't work that way.

To see a list of providers offering auto insurance discounts in New York, follow this link.

How to know if you need help

When choosing the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether your personal situation might need an agent's assistance.

  • Do I need PIP (personal injury protection) coverage in New York?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I buy only the required New York minimum liability coverage?
  • What are the financial responsibility laws in New York?
  • Does my personal policy cover me when driving my company car?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my vehicle as pleasure use or commute?
  • Do I pay less if my vehicle is kept in my garage?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form.

More sites with auto insurance information

Additional detailed information can be found at the New York Department of Financial Services website. Visitors are able to read consumer alerts, read enforcement actions against agents and companies, and file complaints about a company.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this directory of Lancaster insurance agents.