Free Guide to Saving Money on Mattituck Auto Insurance Online

Expensive auto insurance can dwindle your checking account, especially in this economy. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Numerous battle to insure your vehicles, and because of this it can be hard to compare and get the best coverage at the lowest rate

It's important to get comparison quotes yearly because prices are constantly changing. Just because you had the lowest price on your last policy there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the proper way to find great coverage at a great price.

Understand what determines the rate you pay

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Listed below are a partial list of the pieces that factor into your rates.

  • Cautious drivers pay less - Drivers with clean records receive lower rates than bad drivers. Even one moving violation may increase your cost by as much as thirty percent. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Big city or small town - Residing in small towns and rural areas has it's advantages when talking about auto insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. City drivers have congested traffic and longer commute times. More time commuting means more change of being in an accident.
  • Extra add-on coverages are wasting money - There are many add-on coverages you can purchase when buying auto insurance. Coverages like roadside assistance, better glass coverage and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
  • Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations like judges, business owners and accountants are shown to have higher rates than average attributed to high stress levels and long work days. On the flip side, professions such as pilots, athletes and homemakers pay the least.
  • Are you male or female? - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that men are WORSE drivers than women. Both sexes tend to get into accidents in similar numbers, but men cause more damage. Men also receive more costly citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.

New York auto insurance

Compare Auto Insurance Today

Reducing your insurance rates is not a difficult process. You just have to take a few minutes to get quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  1. The fastest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating separate quote forms for each company you want a rate for. A single, simple form will return quotes from many national carriers.
  2. A slightly less efficient method to get quotes online is to take the time to go to each company website to complete a price quote. For instance, we'll pretend you want comparison quotes from , and . To get each rate you have to go to every website and enter your information, which is why most consumers use the first method.

    To view a list of companies in Mattituck, click here.

It's your choice how you get your quotes, but make sure you use the exact same coverages and limits for every company. If you are comparing different deductibles it will be next to impossible to decipher which rate is best in Mattituck.

Save big with these discounts

Companies offering auto insurance don't always list every available discount in an easy-to-find place, so we researched both the well known and the more hidden savings tricks you should be using. If they aren't giving you every credit you deserve, you are paying more than you should be.

  • Good Student Discount - This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Multi-policy Discount - If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
  • Air Bag Discount - Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Low Mileage - Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Own a Home - Being a homeowner can help you save on auto insurance because owning a home shows financial diligence.
  • Government Employees - Employees or retirees of the government could cut as much as 10% off with certain companies.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren't that generous.

To choose providers offering auto insurance discounts in Mattituck, click here to view.

Auto insurance ads bend the truth

Consumers in New York can't ignore all the ads for car insurance savings from companies such as State Farm and Allstate. All the ads make an identical promise about savings if you switch your policy.

How do they all claim to save you money?

Insurance companies have a preferred profile for the right customer that makes them money. For instance, a preferred risk might be over the age of 40, has no prior claims, and has great credit. A customer getting a price quote who meets those qualifications gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will be charged more money and ends up with the customer not buying. Company advertisements say "people who switch" not "people who quote" save that kind of money. This is how companies can truthfully advertise the savings. That is why you need to get as many quotes as possible. It's impossible to know which insurance companies will fit your personal profile best.

But I don't know anything about car insurance

When buying the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions can help discover if your situation could use an agent's help.

  • Should I buy only the required New York minimum liability coverage?
  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does my policy cover my teen driver if they drive my company car?
  • Why am I required to get a high-risk car insurance policy?
  • Should I put collision coverage on all my vehicles?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Even more information is located at the New York Department of Financial Services website. Visitors are able to file complaints about a company, view agent and company licensing information, discover disciplinary actions, and read industry bulletins.

New York auto insurance quotes

A tidy conclusion

We covered many tips how you can compare auto insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a company that doesn't do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments than their larger competitors like .

When you buy insurance online, you should never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability coverage limits only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Cheap auto insurance is available both online in addition to many Mattituck insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.