Palisades Car Insurance For Less Than You're Paying Now

Saving money on Palisades car insurance is hard for people who are new to buying insurance online. Consumers have so many choices that it can be a ton of work to compare prices in Palisades.

Compare the Market for Car Insurance in Palisades

Getting better car insurance pricing can be relatively painless. You just have to take a couple of minutes comparing rate quotes online from several insurance companies. This can be done using a couple different methods.

The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form eliminates the need for multiple quote forms for each company. Taking the time to complete one form gets you coverage quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.

A slightly less efficient method to get quotes online consists of going to the website of each company and fill out their own quote form. For instance, we'll assume you want rates from , and . You would have to go to every website to enter your coverage information, and that's why the first method is more popular.

To view a list of companies in Palisades, click here.

The most time-consuming way of comparing rate quotes is to spend time driving to insurance agents' offices. Buying insurance online makes this process obsolete unless you have a need for the professional advice of a licensed agent. It is possible to compare the best prices online and still use a local agent and you'll learn how to do that later.

Whichever method you choose, double check that you are using identical coverages for every quote you compare. If your comparisons have different limits and deductibles on each one it will be very difficult to determine the best price in Palisades.

You have some control over your rates

It's important that you understand the factors that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates enables informed choices that will entitle you to better car insurance rates.

Rates may be higher depending on your occupation - Careers like doctors, social workers and financial analysts tend to have higher average rates in part from high stress and long work hours. Conversely, professions such as farmers, engineers and the unemployed receive lower rates.
Small claims can cost you - If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Companies in New York generally give lower rates to drivers who are claim-free. Car insurance is intended for major claims that would cause financial hardship.
Older drivers save more - Youthful drivers in New York tend to be careless and easily distracted in a vehicle so they pay higher car insurance rates. Mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
Rural vs Urban Areas - Being located in a small town can save you money when talking about car insurance. Urban drivers have to deal with traffic congestion and much longer commute distances. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
How credit affects car insurance rates - Having a bad credit rating is a huge factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit. So if your credit score can use some improvement, you could be paying less to insure your by spending a little time repairing your credit.
High performance equals high price - The make and model of the vehicle you are buying insurance for makes a huge difference in the rate you pay. The cheapest insurance rates are usually for small economy passenger cars, but other factors influence the final cost greatly.
Bad driving skills means higher rates - A bad driving record has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Even a single speeding ticket can boost insurance rates by twenty percent. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

Save big with these discounts

Companies do not list every discount very clearly, so here is a list both the well known and the harder-to-find discounts you could be receiving. If you're not getting every credit available, you're just leaving money on the table.

No Accidents - Claim-free drivers can earn big discounts when compared to frequent claim filers.
Drivers Education - Require your teen driver to successfully complete driver's ed class in high school.
Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
Distant Student - Youth drivers who live away from home without a vehicle on campus may qualify for this discount.
Life Insurance Discount - Some companies give a discount if you purchase life insurance from them.

It's important to note that some credits don't apply to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free car insurance policy, you're out of luck.

For a list of insurance companies with the best car insurance discounts in New York, click here.

Additional detailed information is available at the New York Department of Financial Services website. Visitors are able to read industry bulletins, download brochures, and read enforcement actions against agents and companies.

And the best car insurance company is...

Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, not issuing a premium refund and delays in paying claims. Whatever your reason, switching car insurance companies is not as hard as you think.

When buying insurance coverage, it's very important that you do not reduce needed coverages to save money. There are too many instances where an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

We just presented a lot of ways to lower your car insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the best prices are with a smaller regional carrier.