How to Know You're Throwing Money Away for Auto Insurance in Pelham

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than the majority of other car owners in New York. You have so many to buy insurance from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

Buying car insurance in Pelham is quite easy. If you have insurance now or are looking for a new policy, you can use these techniques to shop for the lowest rates while maximizing coverage. New York drivers only need an understanding of the tricks to get comparison rates online.

Save big with these discounts

Car insurance companies don't always list all available discounts very clearly, so we researched some of the best known and the more hidden savings tricks you should be using. If you're not getting every credit available, you're just leaving money on the table.

  • Club Memberships - Affiliation with a qualifying organization is a good way to get lower rates when buying auto insurance.
  • Employee of Federal Government - Simply working for the federal government could cut as much as 10% off depending on your company.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Senior Discount - Older drivers may qualify for a discount up to 10%.
  • Drivers Education - Require your teen driver to enroll in driver's education in school.
  • Military Discounts - Being on active duty in the military could mean lower rates.
  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

It's important to understand that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it doesn't quite work that way.

For a list of insurers offering auto insurance discounts in New York, click here to view.

Compare Pelham Auto Insurance Costs

Finding a better price on auto insurance can be surprisingly simple. You just have to invest a little time to compare rate quotes online with multiple companies. This can be done in several different ways.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do a different quote for each company you want a rate for. In just a few minutes this one form compares rates .

A less efficient way to get quotes online is going to each individual company website to request a price quote. For example, let's say you want rates from , and . To get each rate you have to visit each site and enter your information, which is why most consumers use the first method.

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

It's your choice how you get your quotes, but ensure you're using identical coverage limits and deductibles for each price quote. If you compare different liability limits it will be next to impossible to truly determine the lowest rate in Pelham.

Best coverage at the best price

Low-cost auto insurance can be found on the web in addition to many Pelham insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's very important that you do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability coverage limits only to discover later that the savings was not a smart move. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.