6 Simple Tricks to Lower Car Insurance Costs in North Merrick, NY

Price shopping your North Merrick car insurance is a challenge for consumers not familiar with comparison shopping online. You have so many options that it can easily become a lot of work to locate the lowest price in North Merrick.

It's important to get comparison quotes once or twice a year since rates are constantly changing. Just because you found the lowest price a couple years back there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you're about to find out the quickest way to find the best coverage while lowering your premiums.

If you have car insurance now, you should be able to cut costs considerably using this strategy. This article will instruct you on the best way to quote coverages. But New York car owners do need to know the methods companies use to sell online because it can help you find the best coverage.

Comprehensive Car Insurance Comparison in North Merrick

All major car insurance companies give insurance quotes online. Getting quotes doesn't take much effort as you just type in the amount of coverage you want as detailed in the form. After the form is submitted, their rating system will obtain your driving record and credit report and quotes a price based on these and other factors.

Online quotes makes it a lot easier to compare rates but having to visit several different sites and type in the same information is monotonous and tiresome. But it's very important to have as many quotes as possible in order to get better car insurance pricing.

The preferred way to find cheaper rates is to use a quote form that gets price quotes from many companies. The form is fast, requires less work, and makes rate comparisons a lot less work. Immediately after you send the form, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, it's easy to complete the application and purchase the new policy. This process just takes a couple of minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in new window and submit your coverage information. If you have coverage now, it's recommended you enter the coverage information just like they are on your policy. This makes sure you will have comparison quotes for the exact same coverage.

These six discounts can lower your rates

The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Most are applied when you complete an application, but less common discounts must be asked about before they will apply.

55 and Retired - If you're over the age of 55, you may receive a discount up to 10%.
Pay Now and Pay Less - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
Organization Discounts - Belonging to a civic or occupational organization could trigger savings on car insurance.
Military Discounts - Having a family member in the military could be rewarded with lower premiums.
Bundle and Save - If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
No Claims - Claim-free drivers pay much less as compared to accident-prone drivers.

Drivers should understand that most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will reduce the cost of coverage.

To choose companies with discount car insurance rates in North Merrick, click this link.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on television and other media. They all seem to make the same claim that you'll save big if you change your policy. How can each company make the same claim? This is how they do it.

All companies can use profiling for the right customer that makes them money. For instance, a desirable insured could be over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any new insured who matches those parameters gets the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will have to pay higher rates which leads to business going elsewhere. The ads say "drivers who switch" not "everybody who quotes" save that kind of money. That's why companies can advertise the way they do.

Because of the profiling, you need to get a wide range of price quotes. It's just too difficult to predict the company that will provide you with the cheapest rates.

Much more information about car insurance in New York is located on the New York Department of Financial Services website. Click here for link. Consumers can learn about insurance regulations, view a list of available companies, and find out which companies have the most complaints.

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, it's not a good idea to reduce coverage to reduce premium. There are many occasions where an insured dropped liability coverage limits only to discover later that the savings was not a smart move. Your aim should be to purchase plenty of coverage for the lowest price.

Insureds leave their current company for any number of reasons including denial of a claim, extreme rates for teen drivers, questionable increases in premium or even unfair underwriting practices. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.

Budget-conscious car insurance can be sourced from both online companies in addition to many North Merrick insurance agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.