9 Ways You Can Buy Car Insurance for Less in Petersburg New York

Have you had enough of not being able to afford each month for car insurance? You are in the same boat as millions of other consumers. Popular companies such as GEICO and Progressive continually hit you with ad campaigns and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to get lower rates while maintaining coverages. Finding affordable coverage in Petersburg is quite easy. New York drivers only need an understanding of the proper methods to compare rates over the internet.

compare Petersburg car insurance rates

Compare the Market for Car Insurance in Petersburg

Cutting your Petersburg car insurance rates is actually quite simple. Consumers just need to spend a few minutes comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

  • The recommended way to get quotes is a comparison rater form click to view form in new window. This form keeps you from doing boring form submissions for every car insurance company. Taking the time to complete one form gets you price quotes from all major companies.
  • A more time consuming way to shop for car insurance online requires visiting the website of each company and complete a new quote form. For instance, we'll pretend you want rates from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in Petersburg, click here.
  • The hardest way to get comparison rates is to spend time driving to insurance agents' offices. The internet has reduced the need for local agents unless you want the professional guidance of a local Petersburg agent. Drivers can get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just double check that you are using exactly the same quote information on every quote. If you use mixed coverages you can't possibly make a fair comparison in Petersburg.

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but there are discounts available that you may not know about. A few discounts will automatically apply when you complete an application, but some must be requested specifically before they will apply. If you aren't receiving every discount available, you're paying more than you need to.

  • Drivers Ed for Students - Have your child successfully complete driver's ed class if it's offered in school.
  • Payment Method - If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Homeowners Pay Less - Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with a few car insurance companies.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you will save up to 20% off your total premium.
  • Good Students Pay Less - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Senior Citizens - Mature drivers may be able to get reduced rates.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same car insurance policy can get a discount on all vehicles.

Consumers should know that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of insurance companies who offer car insurance discounts in Petersburg, click this link.

More New York car insurance information

Additional car insurance information is available on the website for the New York Department of Financial Services found here. Visitors are able to download brochures, view a list of available companies, report car insurance fraud, and view agent and company licensing information.