Oyster Bay Auto Insurance For Less Than You're Paying Now

Are you intimidated by the wide range of auto insurance options in Oyster Bay? Lot's of other consumers are too. You have so many choices that it can turn into a big hassle to find the lowest price.

Policy discounts you shouldn't miss

Companies offering auto insurance don't necessarily list every discount very clearly, so the following is a list of some of the best known and also the lesser-known auto insurance savings. If you're not getting every credit possible, you are throwing money away.

Claim Free - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
Clubs and Organizations - Affiliation with a qualifying organization could qualify you for a break when shopping for auto insurance.
Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with a few auto insurance companies.
New Vehicle Savings - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy can get a discount on all vehicles.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. Just because you may think you would end up receiving a 100% discount, you won't be that lucky.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for some of the elements that come into play when calculating auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that will entitle you to better auto insurance rates.

Rates may be higher depending on your occupation - Careers like real estate brokers, architects and financial analysts have higher average rates due to high stress levels and long work hours. Conversely, occupations like actors, engineers and the unemployed get better rates.
Liability coverage is cheap - The liability section of your policy provides coverage when a jury decides you are liable for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
You might want pay the small claims yourself - Companies in New York provide lower rates to insureds who do not file claims often. If you file claims often, you can definitely plan on higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
Please use or commuting - The more you drive in a year the higher your rate. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Vehicles that are left in the garage get more affordable rates compared to those used for work or business. Verify your auto insurance policy shows the correct driver usage.
Do you know your deductibles? - Your deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, vandalism, and rolling your vehicle. The more expense you have to pay, the less your auto insurance will be.
Multi-policy discounts can save money - The majority of companies provide better rates to people who have multiple policies with them in the form of a multi-policy discount. Even if you're getting this discount it's still a good idea to compare other company rates to verify if the discount is saving money. Consumers may find a better deal by insuring with multiple companies.

Save $429 a year? Really?

New York drivers get pounded daily by advertisements that promise big savings from the likes of Progressive, Allstate and GEICO. They all say the same thing about savings if you move your coverage to them.

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

Different companies are able to cherry pick for the type of customer that earns them a profit. A good example of a driver they prefer might be profiled as a mature driver, has no driving citations, and chooses high deductibles. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will be quoted a higher premium which usually ends up with business not being written. The ad wording is "customers who switch" but not "drivers who get quotes" save that much money. That's the way companies can truthfully state the savings. This emphasizes why drivers should get as many quotes as possible. It's not possible to predict which auto insurance company will give you the biggest savings.

Even more information can be read at the New York Department of Financial Services website. New York drivers can read industry bulletins, find out which companies have the most complaints, and download brochures.

Also read more on this online resource for auto insurance quotes in New York and this list of insurance agents in Oyster Bay.

A tidy conclusion

Consumers who switch companies do it for a variety of reasons including high rates after DUI convictions, questionable increases in premium, delays in paying claims and even lack of trust in their agent. No matter why you want to switch, finding a new auto insurance company is less work than it seems.

Cheaper auto insurance is definitely available on the web as well as from independent agents in Oyster Bay, and you need to price shop both to have the best selection. Some insurance companies don't offer you the ability to get quotes online and these small insurance companies work with independent agents.

When buying insurance coverage, make sure you don't skimp on coverage in order to save money. There are too many instances where someone sacrificed full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.