Top 9 Ways to Save Money on Car Insurance in Ossining

Expensive car insurance can overdraw your savings account and force you to make sacrifices. Comparison shopping is a great way to tighten up your finances.

Numerous battle for your business, and because of this it can be hard to compare and uncover the absolute lowest rate

It's important to take a look at other company's rates on a regular basis since rates are constantly changing. Even if you think you had the lowest rates last year you may be paying too much now. Starting now, ignore everything you know about car insurance because we're going to show you the tricks you need to know to reduce your cost while increasing coverage.

Which Car Insurance is Cheapest in Ossining, New York?

The are a couple different ways to compare rate quotes from local Ossining car insurance companies. The recommended way to find competitive insurance rates consists of shopping online. This can be accomplished in several different ways.

The first (and easiest) way to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form prevents you from having to do separate quotation requests for each company. One form submission will get you price quotes from car insurance companies with the best prices.

A different way to shop for car insurance online requires a visit to each company's website to request a price quote. For examples sake, let's assume you want comparison quotes from , and . You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular.

For a list of links to companies insuring cars in Ossining, click here.

The most time-consuming way of getting rate comparisons is to drive around to different Ossining agent offices. Buying insurance online makes this process obsolete unless you require the trained guidance of a licensed agent. It is possible to compare the best prices online but buy from a local insurance agent and we'll cover that in a bit.

Whichever method you choose, ensure you are comparing the exact same coverage limits for each price quote. If the quotes have differing limits it's impossible to truly determine the lowest rate in Ossining. Slightly different coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding better pricing.

Ossining car insurance comparison

Policy discounts you shouldn't miss

Companies that sell car insurance do not advertise all their discounts in an easy-to-find place, so we break down some of the more common as well as the least known discounts you could be receiving.

  • College Student - Youth drivers who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • Sign Online - Some insurance companies will give a small break for buying your policy on their website.
  • Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
  • Safety Course Discount - Taking a driver safety course could cut 5% off your bill depending on where you live.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Own a Home - Owning a house in Ossining can save you money because maintaining a house is proof that your finances are in order.
  • Good Student Discount - Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Bundle and Save - When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.

As a disclaimer on discounts, some credits don't apply to all coverage premiums. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, car insurance companies aren't that generous.

For a list of companies with discount car insurance rates in Ossining, click here.

Even more information can be found at the New York Department of Financial Services website. Consumers can read enforcement actions against agents and companies, get help finding coverage, find disaster information, and discover disciplinary actions.

Final considerations

When trying to cut insurance costs, you should never reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford.

Cheap car insurance is attainable from both online companies and also from your neighborhood Ossining agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.