9 Discounts Mill Neck Drivers Forget when Shopping for Car Insurance

I can't think of anyone who likes having to buy car insurance, particularly when the cost is way too high.

With consumers having so many different company options, it can be diffult for consumers to pick the lowest price provider.

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but there could be available discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but a few need to be requested specifically in order for you to get them.

  • Service Members Pay Less - Having a deployed family member can result in better rates.
  • Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Save with a New Car - Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Driver's Ed - Have your child successfully complete driver's ed class in high school.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Homeowners Savings - Simply owning a home may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with a few car insurance companies.
  • Distant Student - Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.

It's important to note that most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, you're out of luck. But any discount will help reduce the amount you have to pay.

To see a list of insurance companies with the best car insurance discounts in New York, follow this link.

compare Mill Neck car insurance rates

Car Insurance Comparison Rates in Mill Neck, NY

The are a couple different ways to get quotes from different Mill Neck insurance companies. The best method to find the cheapest insurance rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

  • The best way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This method saves time by eliminating boring form submissions to each individual car insurance company. Just one form will return price quotes from all major companies.
  • A more time consuming way to shop for car insurance online consists of visiting the website of each company to complete a price quote. For sake of this example, let's say you want to compare , and . To find out each rate you need to spend time on each company's site to enter your coverage information, and that's why the first method is more popular. For a list of links to companies insuring cars in Mill Neck, click here.
  • The least efficient method of comparing rate quotes is to spend your day driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you have a need for the professional advice only provided by licensed Mill Neck agents. You can, however, obtain prices from the web but buy from a local insurance agent and we'll cover that in a bit.

Whichever way you use, be sure to compare apples-to-apples deductibles and coverage limits for every company. If you enter different values for each quote you will not be able to decipher which rate is best in Mill Neck. Just a small difference in limits may result in a large different in cost. Keep in mind that getting more free quotes provides better odds of finding better pricing.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there really is no "best" method to buy coverage. Every insured's situation is different so your insurance needs to address that. For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • Who is covered when they drive my vehicle?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO regularly use television and radio advertisements. They all say the same thing that you can save if you move to their company. But how can every company claim to save you money? This is how they do it.

All the different companies have a certain "appetite" for the driver that is profitable for them. For example, a driver they prefer might be between the ages of 40 and 55, a clean driving record, and has a high credit rating. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don't qualify for this ideal profile will be quoted more money which usually ends up with the customer not buying. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can state the savings.

This emphasizes why drivers must compare as many rates as you can. It's just too difficult to predict which company will have the lowest rates.

Affordable insurance is out there

We just covered many ways to compare car insurance prices online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the lowest priced car insurance comes from a lesser-known regional company. These smaller insurers often have lower prices on specific markets compared to the large companies like .

As you restructure your insurance plan, do not reduce coverage to reduce premium. There have been many situations where someone dropped physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

New York car insurance

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. Visitors are able to find disaster information, find out industry alerts, view a list of available companies, and view agent and company licensing information.

Additional helpful sites include this page for car insurance prices in New York and this page of Mill Neck insurance agents.