10 Discounts Liverpool Consumers Forget when Quoting Car Insurance

Tired of not being able to afford each month for car insurance? Your situation is no different than the majority of other car owners in New York.

You have so many to buy insurance from, and even though it's nice to have a selection, lots of choices makes it harder to compare rates.

Choosing the best insurance company for you in Liverpool is easy if you know what you're doing. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. But New York consumers do need to know the way companies determine prices because it can help you find the best coverage.

compare Liverpool car insurance rates

Comprehensive Car Insurance Comparison in Liverpool

Most companies like State Farm, Allstate and GEICO give coverage price quotes on their websites. Getting quotes doesn't take a lot of time as you simply type in the amount of coverage you want into the quote form. When the form is submitted, the system will obtain information on your driving record and credit history and quotes a price. Quoting online makes it a lot easier to compare rates but having to visit several different sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to do this in order to get a lower rate.

A quicker way to find cheaper rates is to use a quote form that gets prices from several companies at one time. It's a real time-saver, requires much less work on your part, and makes quoting online a lot less work. Once the form is submitted, your coverage is rated and you are able to buy any one of the quotes returned. If one or more price quotes are lower than your current rates, it's easy to complete the application and purchase the new policy. This process just takes a couple of minutes and may result in a nice savings.

To find out how much you're overpaying now, click here and complete the simple form. If you have coverage now, it's recommended you type in identical to your current policy. This ensures you will receive comparison quotes for similar insurance coverage.

More discounts equal less premium

Companies that sell car insurance don't necessarily list every discount very clearly, so we researched both the well known and the harder-to-find savings tricks you should be using.

  • Drivers Education - Have your child successfully complete driver's ed class in high school.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Save with a New Car - Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • No Claims - Claim-free drivers pay much less when compared to bad drivers.
  • Memberships - Being a member of a qualifying organization is a good way to get lower rates when shopping for car insurance.
  • Low Mileage Discounts - Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
  • Paperwork-free - A few companies may give you up to $50 for buying a policy and signing up over the internet.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.

Consumers should know that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way.

To see a list of insurance companies with the best car insurance discounts in New York, click here to view.

More New York car insurance information

More detailed New York car insurance information is located at the New York Department of Financial Services website. Visitors are able to download brochures, view a list of available companies, file complaints about an insurance agent or broker, and read industry bulletins.