Tightwads Tips for Saving on Mamaroneck Auto Insurance

No one in their right mind cherishes buying auto insurance, in particular when they are paying too much.

Drivers have multiple to buy insurance from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.

Choosing the best insurance company for you in Mamaroneck is quite easy. Essentially everyone who has to buy auto insurance should be able to reduce their rates. Nevertheless, New York drivers do need to know how insurance companies price online insurance because it can help you find the best coverage.

More discounts equal less premium

Companies offering auto insurance don't list every discount very clearly, so we researched both well-publicized as well as the least known savings tricks you should be using.

  • Federal Employees - Active or retired federal employment can earn a discount up to 10% with a few auto insurance companies.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Anti-theft System - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Paperwork-free - Some insurance companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Multi-car Discount - Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Low Mileage Discounts - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.

It's important to understand that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you could get a free auto insurance policy, it doesn't quite work that way.

It's not one size fits all

When it comes to buying the best auto insurance coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's situation is a little different so your insurance should reflect that Here are some questions about coverages that might point out if you may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I wreck a rental car?
  • Does my personal policy cover me when driving my company car?
  • Is my dog or cat covered if injured in an accident?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Switch companies and save? Really?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads in print and on television. They all make an identical promise of big savings if you switch to their company. How does each company make almost identical claims?

Different companies have a certain "appetite" for the driver that earns them a profit. For instance, a driver they prefer could possibly be over the age of 50, owns a home, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will save when switching.

Drivers who do not match these standards will be quoted higher premiums and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that much. That is how insurance companies can confidently state the savings. This emphasizes why you should get as many quotes as possible. It's impossible to know which company will give you the biggest savings.

More tips and info about auto insurance is located at the New York Department of Financial Services website. New York consumers can download brochures, find out industry alerts, read consumer alerts, and get help finding coverage.

Mamaroneck auto insurance quote

Do the work, save more money

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

Low-cost auto insurance can be found online and also from your neighborhood Mamaroneck agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.