Lower Online Latham Car Insurance Prices With These Tricks

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of car insurance companies selling insurance in Latham.

Automobile Insurance Quotes in Latham, NY

Most companies like Allstate, GEICO and Progressive provide insurance quotes on the web. Obtaining pricing doesn't take much effort as you just enter your coverage preferences into the quote form. When the form is submitted, the system will obtain your credit score and driving record and provides a quote based on many factors.

This makes it a lot easier to compare rates but the work required to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

A quicker way to get multiple rate quotes makes use of a single form to get prices from more than one company. It's a real time-saver, reduces the work, and makes online shopping much easier. After your information is entered, it gets priced and you can select any one of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process only takes a few minutes and you'll know if lower rates are available.

In order to find out how much you're overpaying now, click here and input your coverage information. If you have a policy now, it's recommended you copy your coverages identical to your current policy. This ensures you will be getting a fair comparison for similar insurance coverage.

More discounts equal less premium

Auto insurance companies don't necessarily list all available discounts very clearly, so here is a list both the well known as well as the least known discounts you could be receiving. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Multiple Vehicles - Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Life Insurance Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Senior Citizens - Mature drivers may be able to get a discount up to 10%.
  • Student in College - Youth drivers who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Accident Forgiveness - Certain companies will forgive one accident before raising your premiums so long as you haven't had any claims for a particular time prior to the accident.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

To see a list of insurers who offer car insurance discounts in New York, click here.

It's not one size fits all

When choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

Here are some questions about coverages that might point out if you would benefit from an agent's advice.

  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • Should I put collision coverage on all my vehicles?
  • Do I need PIP (personal injury protection) coverage in New York?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the financial responsibility laws in New York?

If you can't answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

For more New York car insurance information

Even more information is available at the New York Department of Financial Services website. Visitors are able to report car insurance fraud, find out industry alerts, and view agent and company licensing information.

Additional helpful sites include this page for New York car insurance and this page for help finding agents in Latham, NY.