Top 7 Ways to Get Lower Rates on Car Insurance in Palmyra, NY

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say you are not the only one feeling buyer's remorse.

Drivers have multiple to buy insurance from, and although it's a good thing to have a selection, it can be more challenging to compare rates.

Buying car insurance in Palmyra is easy if you know what you're doing. If you have car insurance now, you will be able to cut costs considerably using these methods. But New York consumers do need to know how companies market insurance on the web because it can help you find the best coverage.

car insurance in Palmyra

How to Compare Palmyra Car Insurance Costs

There are several ways to get quotes from car insurance companies in your area. The best method to find the lowest rates is to use the internet to compare rates. This can be done using a couple different methods.

  • The recommended way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This type of form saves time by eliminating separate quote forms for every car insurance company. Completing one form will get you price quotes from many national carriers.
  • A more time consuming way to get quotes online requires a visit to the website for every company you want to comare to complete a price quote. For examples sake, let's say you want to compare rates from , and . To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular.

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

However you get your quotes, compare identical coverage limits for every company. If the quotes have differing limits it's impossible to decipher which rate is best in Palmyra. Slightly different insurance coverages may cause a big price difference. Just keep in mind that obtaining a wide range of quotes helps locate better pricing.

Save big with these seven discounts

Car insurance companies don't always list all available discounts very clearly, so we researched both the well known as well as the least known discounts you could be receiving.

  • Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with a substantially lower rate.
  • Safety Course Discount - Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Student in College - Youth drivers who are attending college and don't have a car may qualify for this discount.
  • Paperless Signup - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Multiple Cars - Insuring all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Save with a New Car - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.

Consumers should know that some of the credits will not apply the the whole policy. Most only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

To see a list of insurers with discount car insurance rates in New York, click here.

More detailed New York car insurance information is located at the New York Department of Financial Services website. Visitors are able to find disaster information, discover disciplinary actions, view agent and company licensing information, and read enforcement actions against agents and companies.