7 Methods to Save on Car Insurance in Mechanicville

Scraping up a payment for overpriced car insurance can empty your savings account and put a big crunch on your finances. Doing a price comparison is a smart way to make sure you're not throwing money away.

Companies like GEICO and Progressive persitently shower you with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to take a look at other company's rates yearly since rates are constantly changing. Despite the fact that you may have had the lowest rates a couple years back the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about car insurance because we're going to show you the tricks you need to know to reduce your cost while increasing coverage.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Finding affordable coverage in Mechanicville is easy if you know what you're doing. But New York car owners do need to know how the larger insurance companies compete online and use this information to your advantage.

Be sure to get all your discounts

Companies that sell car insurance don't necessarily list every available discount in a way that's easy to find, so we break down some of the more common and the more hidden car insurance savings.

Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out auto and life insurance together.
55 and Retired - Mature drivers may be able to get better car insurance rates.
Government Employees - Being employed by or retired from a federal job may qualify you for a discount with certain companies.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
No Accidents - Drivers who don't have accidents can save substantially compared to bad drivers.
E-sign - A handful of insurance companies will give a small break for buying a policy and signing up digitally online.

Drivers should understand that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn't make money that way.

To see a list of providers who offer car insurance discounts in Mechanicville, follow this link.

How to Get Cheap Car Insurance in Mechanicville, NY

Effectively comparing car insurance prices can take hours if you aren't aware of the fastest way to get free quotes. You can waste a lot of time talking to insurance agencies in Mechanicville, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many insurance companies enroll in a system that allows shoppers to enter their policy data once, and each company can provide price quotes based on the submitted data. This eliminates the need for form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose which carriers you will receive quotes from. If you wish to select specific insurance companies to request quotes from, we have a page of low cost car insurance companies in New York. Click to view list.

Which method you use is up to you, but make sure you use exactly the same coverage information with every price quote. If each company quotes unequal deductibles or liability limits it will be impossible to find the best deal in Mechanicville. Just a small difference in insurance coverages may cause a big price difference. And when comparing car insurance rates, know that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

How do I know if I need professional advice?

When choosing adequate coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions can help discover whether or not you will benefit from professional help.

Should I buy only the required New York minimum liability coverage?
When does my teenage driver need to be added to my policy?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Do I need PIP (personal injury protection) coverage in New York?
Will I be non-renewed for getting a DUI or other conviction?
Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Is there truth in advertising?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads say the same thing that you'll save big after switching to their company. How can each company make the same claim?

All the different companies have a preferred profile for the driver that is profitable for them. For example, a preferred risk could be between the ages of 40 and 55, has no prior claims, and drives less than 10,000 miles a year. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't measure up to the requirements will be charged a more expensive rate which usually ends up with business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save that much. This is how companies can advertise the way they do. That is why drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Shop smart and save

You just learned a lot of information how to compare car insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from an unexpected company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like .

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to regret that the savings was not a smart move. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Learn more about car insurance in New York

More detailed New York car insurance information can be found at the New York Department of Financial Services website. Consumers can file complaints about a company, view agent and company licensing information, learn about insurance regulations, and download brochures.