8 Guaranteed Methods to Slash Car Insurance Costs in New Hyde Park

Having to pay for overpriced car insurance can empty your checking account and put the squeeze on your family's finances. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.

Lots of contend for your hard-earned dollar, and because of this it can be hard to compare to get the lowest price

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Finding the best rates in New Hyde Park is quite easy. Nevertheless, New York consumers do need to know the methods companies use to sell online.

Are you getting all your discounts?

Companies offering auto insurance don't list every discount in an easy-to-find place, so the following is a list of both the well known as well as the least known savings tricks you should be using.

Government Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
Life Insurance - Larger companies have lower rates if you buy life insurance.
Memberships - Being a member of certain professional organizations is a good way to get lower rates when shopping for car insurance.
Multiple Cars - Buying coverage for all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
Low Mileage Discounts - Low mileage vehicles could qualify for discounted rates on garaged vehicles.
Paperwork-free - A few companies may give you up to $50 simply for signing on their website.
Lower Rates for Military - Being on active duty in the military could be rewarded with lower premiums.
Claim Free - Drivers who don't have accidents pay less when compared to bad drivers.

Consumers should know that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, companies don't profit that way.

To see a list of insurance companies with discount car insurance rates in New Hyde Park, click here to view.

How to Get Cheap Car Insurance in New Hyde Park, NY

Most companies such as Progressive, Allstate and GEICO quote coverage price quotes on their websites. Getting quotes is fairly simple as you simply type in your required coverages as detailed in the form. Once you submit the form, the system will obtain credit information and your driving record and returns a price quote based on these factors. Quoting online streamlines rate comparisons, but the time required to go to many different websites and type in the same information is monotonous and tiresome. But it's very important to perform this step if you are searching for the best price on car insurance.

The preferred way to compare car insurance pricing is to use a quote form to obtain quotes from several different companies. The form is fast, eliminates form submissions, and makes rate comparisons much more enjoyable. Immediately after you send the form, it is quoted with multiple companies and you can pick any of the price quotes you receive. If a lower price is quoted, you can simply submit the application and buy the policy. It can be completed in a matter of minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you input identical to your current policy. This makes sure you will have a fair comparison based on the exact same insurance coverage.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there is no "best" method to buy coverage. Everyone's needs are different so your insurance should reflect that For instance, these questions can help discover whether you could use an agent's help.

Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?
Are rental cars covered under my policy?
Am I covered when driving on a suspended license?
Is my dog or cat covered if injured in an accident?
Is my vehicle covered for flood damage?
Does my liability insurance cover pulling a trailer or camper?

If you're not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

How can Progressive, Allstate and GEICO save drivers who switch?

Car insurance providers like Progressive, Allstate and GEICO consistently run ads on television and other media. They all make an identical promise of big savings if you change your coverage to them. How do they all claim to save you money?

Insurance companies have a preferred profile for the type of customer that is profitable for them. A good example of a driver they prefer might be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be quoted a higher premium and ends up with the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save that much money. This is how insurance companies can confidently advertise the way they do. This emphasizes why drivers must get a wide range of price quotes. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Do the work, save more money

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

Cost effective car insurance can be sourced both online as well as from independent agents in New Hyde Park, and you need to comparison shop both to have the best rate selection. Some car insurance companies don't offer the ability to get a quote online and these small insurance companies work with independent agents.

Learn more about car insurance in New York

More tips and info about car insurance can be read at the New York Department of Financial Services website. Visitors are able to download brochures, file complaints about an insurance agent or broker, find out which companies have the most complaints, and report car insurance fraud.