Easy Techniques to Pay Less on North Massapequa Auto Insurance

Are you overwhelmed by the number of auto insurance options in North Massapequa? Many other drivers are as well. People have so many options available that it can turn into more work than you anticipated to find the lowest price.

It's important to do rate comparisons at least once a year because prices are constantly changing. If you had the best deal a few years ago the chances are good that you can find a lower rate today. Starting right now, block out anything you think you know about auto insurance because you're going to get a crash course in the only way to remove unneeded coverages and save money.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be manually applied before they will apply. If you don't get every credit possible, you're paying more than you need to.

Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy online.
Military Rewards - Having a family member in the military can result in better rates.
Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same auto insurance policy qualifies for this discount.
Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.

A little note about advertised discounts, many deductions do not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To see a list of companies with the best auto insurance discounts in New York, click this link.

How to Compare North Massapequa Auto Insurance Costs

Finding cheaper auto insurance prices is a fairly straight forward process. Consumers just need to take the time comparing rate quotes provided by online insurance companies. This can be accomplished in several different ways.

The best way to get the best comparison quotes is a comparison rater form click here to open form in new window. This form keeps you from doing separate quotes for every auto insurance company. Completing one form gets you coverage quotes instantly. Just one form and you're done.
A more difficult way to shop for auto insurance online consists of going to each individual company website and complete a new quote form. For example, we'll assume you want to compare rates from , and . To get rate quotes you would need to visit each site to enter your coverage information, and that's why the first method is more popular. For a list of links to companies insuring cars in North Massapequa, click here.
The hardest method of comparing rate quotes is to waste gas driving to local North Massapequa insurance agencies. The internet has reduced the need for local agents unless you have a need for the trained guidance of a local North Massapequa agent. Drivers can obtain prices from the web but buy from a local insurance agent. We'll cover that shortly.

It doesn't matter which method you choose, just compare apples-to-apples coverages on every quote. If you have different limits and deductibles on each one it will be very difficult to make a fair comparison in North Massapequa.

Why some people pay less for insurance in North Massapequa

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

The list below includes some of the factors companies use to determine rates.

Being married can save on auto insurance - Being married actually saves money on your auto insurance policy. It is viewed as being more responsible it has been statistically shown that being married results in fewer claims.
Safer cars are cheaper to insure - Cars with high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
Frequent auto insurance claims increase rates - Car insurance companies in New York give discounts to insureds who file claims infrequently. If you file claims often, you can look forward to higher rates. Auto insurance is designed for the large, substantial claims.
Careful drivers pay lower rates - Your driving citation history has a big impact on rates. Just one speeding ticket can increase rates forty percent or more. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
Adjust deductibles and save - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be running into the backend of another car, damage caused by hail, or theft. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more money you're willing to pay, the less your auto insurance will be.
Consolidate policies to earn discounts - The majority of auto insurance companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to compare rates to make sure you are getting the best deal. Consumers may find a better deal by insuring with multiple companies.
Mature drivers pay less - Teen drivers in New York tend to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and are safer drivers.

Save $429 a year? Really?

New York consumers can't get away from ads that promise big savings by companies like State Farm, GEICO and Progressive. They all seem to make the same claim about savings if you move to them.

But how can every company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the type of driver that is profitable for them. An example of a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don't qualify for this ideal profile will have to pay higher rates which leads to the driver buying from a lower-cost company. The ads say "drivers who switch" but not "drivers who get quotes" save money. That's the way companies can truthfully advertise the way they do.

Because of the profiling, drivers must get a wide range of price quotes. It's impossible to know which auto insurance company will provide you with the cheapest rates.

A tidy conclusion

Cheaper auto insurance is definitely available online and with local North Massapequa insurance agents, and you should compare price quotes from both to get a complete price analysis. Some auto insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Insureds who switch companies do it for any number of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, extreme rates for teen drivers or poor customer service. No matter why you want to switch, switching auto insurance companies is actually quite simple.

When shopping online for auto insurance, don't be tempted to reduce coverage to reduce premium. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price.

Find out more about auto insurance

Additional information is available on the New York Department of Financial Services website. Click here for link. New York consumers can get help finding coverage, find disaster information, and download brochures.

Additional helpful sites include this page for New York auto insurance and see this list of insurance agents in North Massapequa.