Tightwads Instructions on Saving on Lynbrook Auto Insurance

I can't think of anyone who likes paying for auto insurance, especially knowing their premiums are through the roof. Lots of contend to insure your vehicles, and it can be difficult to compare rates to find the lowest rate

It's important to compare prices periodically since insurance rates are constantly changing. If you had the lowest rates a few years ago the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.

Save big with these discounts

Car insurance can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount. If they aren't giving you every credit you qualify for, you're paying more than you need to.

Sign Early and Save - Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
Passive Restraints and Air Bags - Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
Claim Free - Good drivers with no accidents can save substantially compared to bad drivers.
Lower Rates for Military - Having a family member in the military can result in better rates.
More Vehicles More Savings - Insuring multiple cars or trucks on the same auto insurance policy qualifies for this discount.

It's important to note that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, you're out of luck. But any discount will cut your overall premium however.

To see a list of providers with the best auto insurance discounts in Lynbrook, click this link.

How to Get Lynbrook Auto Insurance Comparison Quotes

Finding cheaper auto insurance prices isn't really that difficult. You just have to invest a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done using a couple different methods.

The best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating repetitive form entry to each individual auto insurance company. Just one form gets you coverage quotes direct from many companies.
A harder way to get quotes online consists of going to each company website to complete a price quote. For instance, let's assume you want to compare , and . To find out each rate you need to go to every website to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Lynbrook, click here.
The hardest method of comparing rate quotes is to drive around to and from local Lynbrook insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you have a need for the professional advice only provided by licensed Lynbrook agents. Drivers can obtain prices from the web and still use a local agent and we'll touch on that later.

It's up to you how you get prices quotes, just be sure to compare the exact same coverages with each company. If you use different limits and deductibles on each one it will be very difficult to make an equal comparison in Lynbrook.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that can help you get big savings.

Type of vehicle determines base rates - The type of vehicle you drive makes a significant difference in the rate you pay. Low performance passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.
Do you know you're credit rating? - Your credit rating is a huge factor in determining your rates. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores. So if your credit can use some improvement, you could pay less to insure your by repairing your credit.
Rates may be higher depending on your occupation - Occupations like lawyers, executives and accountants have higher rates than average in part from high stress and lots of time spent at work. On the flip side, professions such as scientists, athletes and the unemployed get better rates.
Safer cars cost less to insure - Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and better occupant protection means less money paid by your insurance company and lower rates for you.

But I don't know anything about car insurance

When choosing adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone's situation is unique so this has to be addressed. These are some specific questions may help highlight if your situation may require specific advice.

Does my car insurance cover rental cars?
Should I drop comprehensive coverage on older vehicles?
Are there companies who specialize in insuring high-risk drivers?
Am I covered when delivering products for my home-based business?
Will I be non-renewed for getting a DUI or other conviction?
Am I covered when driving on a suspended license?

If it's difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance ads bend the truth

New York drivers can't get away from ads for cheaper car insurance from the likes of State Farm and Allstate. All the ads make the same claim that you can save if you move your coverage to them.

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

All the different companies have a certain "appetite" for the type of customer that is profitable for them. For example, a preferred risk might be profiled as over the age of 50, a clean driving record, and has a short commute. A propective insured who matches those parameters is entitled to the best price and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will be charged more money which leads to business not being written. Company advertisements say "drivers who switch" not "people who quote" save that much money. That is how insurance companies can make the claims of big savings.

That is why drivers must quote coverage with many companies. It's not possible to predict which company will fit your personal profile best.

And the best car insurance company is...

Throughout this article, we presented some good ideas how to compare auto insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a smaller regional carrier. These smaller insurers often have lower prices on specific markets than their larger competitors like .

Lower-priced auto insurance is definitely available on the web as well as from independent agents in Lynbrook, and you should be comparing both to have the best chance of lowering rates. Some insurance providers don't offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Additional New York consumer information

More information can be found on the website for the New York Department of Financial Services. Click here for link. New York drivers can learn about specific coverages, find out industry alerts, read industry bulletins, and find disaster information.