Free Guide to Cutting Costs on Ogdensburg Auto Insurance Online

No one in their right mind looks forward to paying for auto insurance, especially knowing the cost is too high. Popular companies such as GEICO and Progressive all claim big savings with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

If you have insurance now or need a new policy, you can learn to find better prices while maximizing coverage. Finding the best rates in Ogdensburg is quite easy. New York drivers only need an understanding of how to buy auto insurance online.

Are you getting all your discounts?

Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. Most are applied at quote time, but some may not be applied and must be asked for in order for you to get them. If you aren't receiving every discount you qualify for, you are throwing money away.

Service Members Pay Less - Having a family member in the military could mean lower rates.
Early Signing - Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
Passive Restraints - Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
No Accidents - Good drivers with no accidents pay less when compared to drivers who are more careless.
Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
Auto/Life Discount - Larger companies have better rates if you take out auto and life insurance together.
Senior Discount - If you qualify as a senior citizen, you may qualify for better auto insurance rates.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.

Consumers should know that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will reduce the cost of coverage.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else's so this has to be addressed. For instance, these questions may help highlight whether you could use an agent's help.

Do I have coverage when using my vehicle for my home business?
Does my car insurance cover rental cars?
Should I drop comprehensive coverage on older vehicles?
What companies insure drivers after a DUI or DWI?
Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

How can State Farm, Allstate and GEICO save drivers who switch?

New York drivers get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and GEICO. They all make the same claim of big savings if you switch to their company.

How can each company say the same thing? It's all in the numbers.

All the different companies have a certain "appetite" for the driver that earns them a profit. A good example of a driver they prefer might be profiled as over the age of 40, a clean driving record, and drives newer vehicles. A propective insured who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will be quoted more money which leads to business not being written. The ad wording is "customers who switch" not "everybody who quotes" save that much. That is how insurance companies can confidently claim big savings.

This emphasizes why you should compare many company's rates. It's not possible to predict which company will give you the biggest savings.

Additional New York consumer information

Additional auto insurance information can be read on the website for the New York Department of Financial Services found here. New York drivers can find disaster information, learn about specific coverages, find out industry alerts, and read industry bulletins.

A tidy conclusion

In this article, we covered many ideas to reduce auto insurance prices online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest premiums are with a small mutual company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as .

When trying to cut insurance costs, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped full coverage and found out when filing a claim that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the best price while still protecting your assets.