Getting Cheaper Painted Post Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, there are many Painted Post consumers feeling the pinch from expensive car insurance.

Lots of contend for your business, so it can be very hard to choose a to get the lowest rate

Policy discounts you shouldn't miss

Auto insurance companies do not advertise every discount in an easy-to-find place, so we researched some of the more common and the more hidden ways to save on car insurance.

Student Driver Training - Have your child successfully complete driver's ed class in school.
Defensive Driver - Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
Air Bag Discount - Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
Paperwork-free - A few companies will give a small break just for signing your application on their website.

It's important to note that many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you're out of luck.

To see a list of insurance companies offering car insurance discounts in Painted Post, click this link.

Comprehensive Painted Post Car Insurance Comparison Quotes

The are a couple different ways to compare quotes from car insurance companies in your area. The best method to find the cheapest insurance rates involves getting comparison quotes online. This can be done in a couple of different ways.

The best way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This form eliminates the need for multiple quote forms for each company you want a rate for. Completing one form compares rates from multiple low-cost companies.
Another way to shop for car insurance online is going to the website of each company to complete their respective quote request forms. For instance, let's assume you want to compare rates from , and . To get each rate you have to go to every website and enter your information, which is why most consumers use the first method.

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

It doesn't matter which method you choose, just compare the exact same coverage limits and deductibles on every quote you get. If you use different liability limits it will be impossible to determine which rate is truly the best in Painted Post. Having just a slight variation in limits may result in large price differences. Just keep in mind that comparing more company's prices will increase your chances of finding the best rates.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know the rating factors that go into determining your car insurance rates. Understanding what influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

Listed below are a partial list of the pieces that factor into prices.

Special features that cut premiums - Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
Do you need the policy add-ons? - There are many extra coverages that can waste your money on your policy. Coverages like vanishing deductibles, accident forgiveness and membership fees may be wasting your money. These coverages may sound good at first, but your needs may have changed so get rid of them and save.
Multi-policy discounts can save money - Most car insurance companies provide better rates to policyholders who have multiple policies with them. It's known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, you may still want to compare rates to confirm you are receiving the best rates possible. You may still be able to find a better deal by splitting coverages up.
Better credit scores mean better rates - Having a bad credit score is a large factor in calculating your car insurance rates. If your credit rating is lower than you'd like, you could pay less to insure your by repairing your credit. Consumers who have excellent credit tend to be less risk to insure than those with poor credit.
Being married can save on car insurance - Having a wife or husband can actually save you money on your car insurance policy. Having a significant other usually means you are more mature and it's statistically proven that being married results in fewer claims.
Liability insurance protects assets - Liability insurance provides coverage when you are found to be at fault for damages caused by your negligence. It provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
Adjust deductibles and save - Physical damage deductibles define the amount you are willing to pay before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and windstorm damage. The more the insured has to pay upfront, the less your car insurance will be.

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make the same claim that you can save if you switch your policy. How do they all make the same claim?

Insurance companies are able to cherry pick for the right customer that is profitable for them. For instance, a driver they prefer could be between 25 and 40, has no tickets, and chooses high deductibles. A customer who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will be quoted a higher premium which leads to business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can state the savings. This emphasizes why drivers must quote coverage with many companies. Because you never know which car insurance company will give you the biggest savings.

Final considerations

Lower-priced car insurance can be found from both online companies in addition to many Painted Post insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

Find out more about car insurance

Additional detailed information is located at the New York Department of Financial Services website. Consumers can view a list of available companies, discover disciplinary actions, read consumer alerts, and find out industry alerts.