How to Know You're Throwing Money Away for Auto Insurance in Monticello

Tired of being strong-armed each month for car insurance? You are no different than many other drivers in New York.

Numerous battle to insure your vehicles, so it's not easy to compare every and get the definite lowest price

It's important to do rate comparisons once or twice a year because insurance rates are constantly changing. Just because you found the best price on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to how to use online quotes to lower your rates without sacrificing coverage.

How to Compare Auto Insurance Costs in Monticello

There are several ways of comparing rate quotes and find the best price. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

The recommended way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This method eliminates the need for separate quote forms for each company you want a rate for. Taking the time to complete one form gets you price quotes from many national carriers.
A less efficient way to get quotes online requires visiting each company's website to complete their respective quote request forms. For example, we'll pretend you want rates from , and . To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular. To view a list of companies in Monticello, click here.
The least efficient way to get comparison rates is driving to local Monticello insurance agencies. The internet has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. You can, however, get the lowest quotes online and still use a local agent.

Whichever way you use, double check that you are using the exact same quote information on every quote you get. If you have mixed coverages it's not possible to determine which rate is truly the best in Monticello. Just a small difference in coverages can mean a large discrepancy in price. It's important to know that more quotes will enable you to find the best offered rates.

Save big with these discounts

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but a few need to be inquired about prior to getting the savings.

Save over 55 - Mature drivers may be able to get reduced rates.
Payment Method - If you pay your bill all at once instead of paying each month you can actually save on your bill.
Sign Online - A few companies will discount your bill up to fifty bucks for buying your policy on their website.
Memberships - Participating in certain professional organizations could qualify you for a break on auto insurance.
Driver Safety - Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
Theft Prevention Discount - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will cut your overall premium however.

To see a list of companies who offer auto insurance discounts in Monticello, follow this link.

More New York auto insurance information

Additional information can be found on the website for the New York Department of Financial Services located here. New York consumers can learn about insurance regulations, view a list of available companies, get help finding coverage, and find out which companies have the most complaints.