Free Guide to Saving Money on New Lebanon Car Insurance Online

Nobody I know looks forward to buying car insurance, particularly when their premiums are too high. Drivers have multiple to buy insurance from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.

Take advantage of discounts

Insurance can be prohibitively expensive, but you can get discounts to reduce the price significantly. Certain discounts will be applied at the time of purchase, but less common discounts must be specially asked for prior to receiving the credit. If you're not getting every credit you qualify for, you are throwing money away.

Driver Safety - Completing a defensive driving course can save you 5% or more if you qualify.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
Student in College - Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
Save with a New Car - Insuring a new car is cheaper since new cars are generally safer.

It's important to note that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, you're out of luck. But any discount will bring down your overall premium however.

How to know if you need help

When it comes to buying the best car insurance coverage for your vehicles, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. These are some specific questions might point out whether your personal situation might need an agent's assistance.

Do I really need UM/UIM coverage?
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?
Why does it cost so much to insure a teen driver in New Lebanon?
Do I pay less if my vehicle is kept in my garage?
What companies insure drivers after a DUI or DWI?
What can I do if my company won't pay a claim?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.

Are car insurance companies telling the truth?

Consumers in New York get pounded daily by advertisements for cheaper car insurance by 21st Century, Allstate and State Farm. All the companies say the same thing that you can save after switching to their company.

How does each company claim to save you money?

All companies have a certain "appetite" for the driver that earns them a profit. For instance, a profitable customer might be between the ages of 30 and 50, owns a home, and chooses high deductibles. Any driver who fits that profile gets the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards must pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much. That is how insurance companies can state the savings.

This illustrates why you should quote coverage with many companies. You cannot predict which company will give you the biggest savings.

For more New York car insurance information

More information is located on the website for the New York Department of Financial Services located here. Visitors are able to discover disciplinary actions, find out industry alerts, view agent and company licensing information, and read enforcement actions against agents and companies.

And the best car insurance company is...

Lower-priced car insurance can be purchased both online and also from your neighborhood New Lebanon agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.