10 Tips Shown to Save Money on Car Insurance Costs in Penfield

No one in their right mind likes having to buy car insurance, particularly when the cost is way too high.

Consumers have many to pick from, and although it's nice to have a selection, it can be more difficult to compare rates.

It's important to compare rates occasionally since rates are constantly changing. If you had the best price a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the fastest and easiest way to properly buy coverages while reducing your premium.

Finding affordable coverage in Penfield is easy if you know what you're doing. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. But New York consumers do need to know the way insurance companies market on the web and apply this information to your search.

New York car insurance

Finding Car Insurance in Penfield, NY

The are a couple different ways to get quotes from different Penfield insurance companies. The best method to compare insurance prices is to use the internet to compare rates. This can be done in a couple of different ways.

  • The recommended way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This easy form eliminates the need for repetitive form entry for each company you want a rate for. A single form gets you coverage quotes direct from many companies.
  • A more time consuming way to shop for car insurance online consists of going to each company website and fill out their own quote form. For instance, we'll pretend you want to compare , and . To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker.

    For a list of links to companies insuring cars in Penfield, click here.
  • The least recommended method of comparing rate quotes is driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you want the personal advice that only a license agent can provide. However, consumers can get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

It's your choice how you get your quotes, but make absolute certain that you use identical coverages for every quote you compare. If you are comparing different limits and deductibles on each one you can't possibly determine the best price in Penfield. Quoting even small variations in insurance coverages may result in a large different in cost. And when quoting car insurance, remember that getting more free quotes helps you find lower pricing.

Policy discounts you shouldn't miss

Companies offering auto insurance don't always publicize every available discount very clearly, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.

  • Sign Early and Save - Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
  • Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance.
  • Service Members Pay Less - Being on active duty in the military can result in better rates.
  • Theft Prevention Discount - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • No Accidents - Good drivers with no accidents can save substantially compared to bad drivers.
  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • Resident Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Homeowners Savings - Being a homeowner can help you save on car insurance because of the fact that having a home is proof that your finances are in order.

Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

To see a list of providers with the best car insurance discounts in New York, click here to view.

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Your needs are not the same as everyone else's so your insurance should reflect that For example, these questions might point out whether your personal situation would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Am I covered when driving in Canada or Mexico?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • What is the difference between comprehensive and collision coverage?
  • Is my cargo covered for damage or theft?

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

For more New York car insurance information

More detailed New York car insurance information can be found at the New York Department of Financial Services website. Visitors are able to file complaints about a company, read consumer alerts, download brochures, and view agent and company licensing information.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Penfield New York.