Mineola Auto Insurance For Less Than You're Paying Now

Shopping for affordable Mineola auto insurance online can be somewhat difficult for consumers not familiar with price shopping online. With so many choices of online companies available, how can you even start to compare every company to locate the lowest rates?

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Shown below are some of the items used by your company to calculate prices.

  • Your car's features help determine rates - Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping auto theft.
  • Having a spouse can save you money - Getting married helps lower the price on auto insurance. Having a significant other translates into being more mature and it's statistically proven that married drivers get in fewer accidents.
  • Extra add-on coverages are wasting money - There are quite a few add-on coverages that can waste your money when buying auto insurance. Things like vanishing deductibles, accident forgiveness and additional equipment coverage are some examples. These coverages may sound good at first, but now you might not need them so remove them from your policy.
  • Cautious drivers pay less - Drivers who don't get tickets receive lower rates than their less careful counterparts. Even a single speeding ticket can bump up the cost by as much as thirty percent. If you have dangerous violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Liability insurance protects assets - Your policy's liability coverage is the protection when you are found liable for personal injury or accident damage. It provides you with a defense in court starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • The more you drive the more you pay - The higher the mileage driven in a year's time the higher your rate. Almost all companies charge to insure your cars based on their usage. Cars left parked in the garage get more affordable rates compared to those used for work or business. Make sure your auto insurance declarations sheet properly reflects the correct usage for each vehicle.

compare Mineola auto insurance rates

How to Lower Your Auto Insurance Cost in Mineola, New York

There are several ways to compare auto insurance quotes, and some are easier and takes less work. You can spend your afternoon talking about coverages with insurance companies in Mineola, or you can utilize the internet for quick rates.

Most of the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company provides a quote based on that information. This prevents consumers from doing quote requests to each individual auto insurance company.

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

The one disadvantage to getting quotes like this is you can't choose which providers to get quotes from. So if you want to choose specific providers to compare prices, we have assembled a list of low cost auto insurance companies in New York. Click here to view list.

Whichever method you choose, ensure you are comparing apples-to-apples coverage limits for every quote you compare. If the quotes have differing limits it will be impossible to determine the best price in Mineola. Slightly different limits can result in a big premium difference. Just remember that comparing a large number of companies gives you a better chance of getting better pricing.

Be sure to get all your discounts

Companies that sell car insurance don't always publicize every discount very well, so the following is a list of both the well known and the more hidden discounts you could be receiving.

  • Pay Now and Pay Less - By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Paperwork-free - Certain companies may give you up to $50 just for signing your application online.
  • Safety Course Discount - Completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Good Student Discount - This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Organization Discounts - Being a member of a professional or civic organization may earn a discount when shopping for auto insurance.

It's important to note that some credits don't apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you're out of luck.

To choose insurance companies with discount auto insurance rates in New York, click here.

Is there truth in advertising?

Auto insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all have a common claim that you can save if you change your coverage to them. But how can every company claim to save you money?

All companies have a preferred profile for the type of customer that makes them money. A good example of a driver they prefer might be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will be quoted higher prices and this can result in the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save that much money. This is how insurance companies can make those claims. This emphasizes why you need to get quotes from several different companies. It's impossible to know which insurance companies will have the lowest rates.

Additional detailed information can be read at the New York Department of Financial Services website. Visitors are able to view a list of available companies, get help finding coverage, and discover disciplinary actions.

Other informative sites include this site for auto insurance rates in New York and this list of insurance agents in Mineola, NY.

The best insurance company isn't always the cheapest

Drivers leave their current company for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, questionable increases in premium or even poor customer service. Regardless of your reason, finding the right auto insurance provider is easier than you think.

Lower-priced auto insurance is attainable both online as well as from independent agents in Mineola, and you should compare price quotes from both so you have a total pricing picture. Some companies don't offer online price quotes and these small insurance companies work with independent agents.

We covered a lot of ways to compare auto insurance prices online. It's most important to understand that the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from an unexpected company.