Consumer Tested Strategies to Save on Little Falls Auto Insurance

Have you had enough of trying to scrape together enough money each month for car insurance? You are no different than many other New York drivers. Multiple compete to insure your vehicles, so it's not easy to compare every and uncover the absolute lowest rate

Be sure to get all your discounts

Companies don't list all available discounts in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find auto insurance savings. If they aren't giving you every credit available, you are throwing money away.

Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.
No Accidents - Claim-free drivers pay less when compared with drivers who are more careless.
Fewer Miles Equal More Savings - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
One Accident Forgiven - A few companies will allow you to have one accident before your rates go up so long as you haven't had any claims for a particular time prior to the accident.
Homeowners Pay Less - Owning a home in Little Falls may trigger a auto insurance policy discount because maintaining a house demonstrates responsibility.
Use Seat Belts - Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, you won't be that lucky.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for some of the elements that play a part in calculating auto insurance rates. Understanding what impacts premium levels enables informed choices that could result in big savings.

Drive a safer car and pay less - Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
Your stress level may be raising your rates - Occupations such as real estate brokers, architects and accountants tend to have higher rates than average in part from high stress levels and lots of time spent at work. On the flip side, occupations like farmers, athletes and retirees receive lower rates.
Marriage brings a discount - Getting married helps lower the price when buying auto insurance. Having a spouse means you're more responsible it has been statistically shown that drivers who are married are more cautious.
Bump up deductibles to save - Your deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, damage from fire, and rolling your vehicle. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance.
A lapse in coverage is a bad thing - Driving with no insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance might get you a steep fine or even jail time.
Older drivers pay less - Mature drivers are more responsible, file fewer claims and are safer drivers. Teenage drivers have a tendency to be more careless in a vehicle therefore auto insurance rates are much higher.
Drive less and save money - The higher the mileage driven every year the more you'll pay to insure your vehicle. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance declarations sheet is showing the correct usage for each vehicle.

Is there truth in advertising?

New York drivers get pounded daily by advertisements for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies say the same thing about savings if you change to their company.

How do they all say the same thing? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. A good example of a profitable customer might be profiled as between the ages of 40 and 55, is a homeowner, and has a short commute. A propective insured who fits that profile will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile must pay more money which usually ends up with business not being written. The ads state "drivers who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully make the claims of big savings. This illustrates why drivers should compare many company's rates. It's not possible to predict the company that will fit your personal profile best.

Learn more today

Even more information can be read at the New York Department of Financial Services website. New York drivers can find disaster information, read industry bulletins, get help finding coverage, and report car insurance fraud.

And the best car insurance company is...

Cheaper auto insurance is attainable on the web and also from your neighborhood Little Falls agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, you should never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price while not skimping on critical coverages.