Proven Techniques to Save on Montgomery Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you you're not alone. Multiple compete for your hard-earned dollar, so it can be very hard to choose a to find the absolute lowest rate

What determines how much you pay?

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels allows you to make educated decisions that will entitle you to better auto insurance rates.

Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Careers like real estate brokers, executives and accountants tend to pay higher rates than average due to high stress levels and long work hours. On the flip side, occupations such as actors, athletes and homemakers have the lowest average rates.
Do you know your deductibles? - Physical damage deductibles define the amount you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The more expense you're willing to pay, the less your auto insurance will be.
Cautious drivers pay less - A bad driving record impacts your car insurance rates tremendously. Good drivers get better rates than bad drivers. Only having one moving violation can increase rates forty percent or more. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
Little extras can really add up - There are many extra coverages that can waste your money when buying auto insurance. Coverages like rental car reimbursement, accident forgiveness and motor club memberships may be wasting your money. These may sound like a good investment initially, but if you don't need them get rid of them and save.
Are you male or female? - Statistics demonstrate that men are more aggressive behind the wheel. That doesn't necessarily mean that women are better drivers. Men and women are in accidents at a similar rate, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and are penalized with high auto insurance rates.
Please use or commuting - The more miles you rack up on your car in a year the higher your rate. Most companies charge to insure your cars based upon how you use the vehicle. Autos that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your auto insurance policy is showing how each vehicle is driven.

Comprehensive Montgomery Auto Insurance Comparison

All major auto insurance companies such as Progressive, Allstate and GEICO provide prices for coverage directly from their websites. This process is fairly straightforward as you simply type in the coverages you want as detailed in the form. After the form is submitted, the system will obtain your driving record and credit report and returns pricing information. Online price quotes makes comparing rates easy, but the time it takes to visit different websites and type in the same information can be a bit tiresome and repetitive. But it's very important to compare as many rates as possible if you want to find better auto insurance pricing.

Quote rates the easy way

The preferred way to lower your rates uses one form to obtain quotes from many companies. The form is fast, requires less work, and makes comparison shopping much more efficient. Immediately after you send the form, it gets priced and you can choose any of the resulting price quotes.

If you find a better price you simply finish the application and buy the new coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and fill out the form. If you have your current policy handy, we recommend that you enter the limits and deductibles as close as possible to your current policy. This makes sure you are getting a price comparison for the exact same coverage.

These discounts can lower your rates

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even be aware of. Some discounts apply automatically when you complete an application, but some may not be applied and must be asked about before they will apply. If they aren't giving you every credit possible, you are paying more than you should be.

Accident Free - Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
Homeowners Discount - Simply owning a home may earn you a small savings because owning a home demonstrates responsibility.
Passive Restraints - Cars that have air bags and/or automatic seat belt systems can get savings of 20% or more.
Low Mileage Discounts - Driving fewer miles could qualify for better rates on cars that stay parked.
No Charge for an Accident - A few companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
Discount for Good Grades - This discount can save 20 to 25%. The good student discount can last until age 25.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Just because it seems like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will cut the cost of coverage.

To choose insurance companies offering auto insurance discounts in Montgomery, click this link.

Are you falling for claims of savings?

Consumers in New York can't ignore all the ads that promise big savings by companies like Progressive, Allstate and GEICO. They all make the same claim about savings if you switch to them.

How do they all claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the type of driver that makes them money. A good example of a driver they prefer might be over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be quoted higher rates which leads to the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save money. That's the way companies can truthfully advertise the way they do.

This emphasizes why you need to get as many comparisons as possible. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Additional information can be read on the website for the New York Department of Financial Services found here. Visitors are able to read industry bulletins, report car insurance fraud, file complaints about a company, and discover disciplinary actions.

And the best car insurance company is...

Cheaper auto insurance is available both online and with local Montgomery insurance agents, and you should be comparing both to get a complete price analysis. Some auto insurance companies do not offer online price quotes and these small insurance companies work with independent agents.

We covered many ideas to compare auto insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from a small mutual company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as .