Tightwads Tips for Saving on Phoenicia Car Insurance

I can't think of anyone who looks forward to buying car insurance, particularly when they are paying too much.

Drivers have so many to buy insurance from, and even though it's nice to have a selection, too many choices makes it more difficult to compare rates.

It's important to compare prices periodically due to the fact that insurance rates are constantly changing. If you had the lowest price last year you can probably find a lower rate today. There is too much inaccurate information about car insurance on the web, but I'm going to show you some great ways to find affordable car insurance.

New York car insurance quotes

Phoenicia Car Insurance Comparisons

The are a couple different ways of comparing rates from different Phoenicia insurance companies. The best method to find competitive insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form keeps you from doing separate quotation requests for every car insurance company. Just one form gets you coverage quotes from car insurance companies with the best prices.
  • A slightly less efficient method to shop for car insurance online consists of going to the website for each individual company and fill out their own quote form. For example, let's assume you want to compare , and . To get rate quotes you would need to visit each site to enter your coverage information, and that's why the first method is more popular. For a list of links to companies insuring cars in Phoenicia, click here.

It's your choice how you get your quotes, but be sure to compare identical coverages for each comparison quote. If you have different limits and deductibles on each one it will be very difficult to determine the lowest rate in Phoenicia. Quoting even small variations in limits can result in a big premium difference. Keep in mind that comparing a large number of companies helps locate lower pricing.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but a few must be asked for before being credited.

  • Bundle and Save - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • College Student - Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Senior Citizens - Mature drivers can possibly qualify for a small decrease in premiums.

It's important to note that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like it's possible to get free car insurance, you're out of luck. But any discount will bring down the amount you have to pay.

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

Insurance agents can help

When choosing the best car insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is unique so your insurance should reflect that For example, these questions may help highlight whether your personal situation will benefit from professional help.

  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver in Phoenicia?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Do I qualify for additional discounts?

If you're not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

More information is located on the website for the New York Department of Financial Services. Click here for link. Visitors are able to view agent and company licensing information, find out industry alerts, read industry bulletins, and read enforcement actions against agents and companies.