6 Shopping Tips Shown to Slash the Cost of Car Insurance Costs in Plainview, NY

Comparison shopping for Plainview car insurance is difficult for people who are new to buying insurance online. Drivers have so many options that it can be a real challenge to compare prices in Plainview.

It's important to compare rates before your policy renews since rates are constantly changing. If you had the best deal last year there may be better deals available now. So forget all the misinformation about car insurance because we're going to show you the proper way to properly buy coverages and cut your premium.

Policy discounts you shouldn't miss

Insuring your vehicles can cost a lot, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you complete an application, but some must be asked for before they will apply.

  • Homeowners Pay Less - Owning a house in Plainview may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.
  • Use Seat Belts - Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Save with a New Car - Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • College Student - Children who live away from home without a vehicle on campus can receive lower rates.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like it's possible to get free car insurance, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

For a list of companies with the best car insurance discounts in New York, follow this link.

Cheap Plainview Car Insurance Comparisons

The are a couple different ways to get quotes and find the best price. The recommended way to find competitive insurance rates consists of shopping online. This can be accomplished using a couple different methods.

One of the best ways to find the lowest comparison rates is a comparison rater form click to view form in new window. This method keeps you from doing separate forms for every car insurance company. In just a few minutes this one form gets you coverage quotes from several companies. It's definitely the quickest method.

A more time consuming way to shop for car insurance online consists of going to each individual company website and complete a new quote form. For instance, let's assume you want rates from , and . To get rate quotes you would need to go to every website 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 Plainview, click here.

The least efficient way of comparing rate quotes is driving to insurance agents' offices. Buying insurance online makes this process obsolete unless you have a need for the trained guidance of a local Plainview agent. You can, however, compare online quotes but buy from a local insurance agent and we'll cover that in a bit.

Whichever way you use, ensure you're using identical coverages on every quote. If you are comparing different limits and deductibles on each one it will be very difficult to make a fair comparison in Plainview. Just a small difference in coverages may result in a large different in cost. And when price shopping your coverage, getting more free quotes helps you find lower pricing.

Affordable insurance is out there

Cheap car insurance is definitely available both online and also from your neighborhood Plainview agents, and you need to price shop both to get a complete price analysis. There are still a few companies who may not provide online quoting and most of the time these smaller companies sell through independent agents.

Consumers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, high rates after DUI convictions and delays in paying claims. No matter why you want to switch, switching car insurance companies is not as hard as you think.

As you prepare to switch companies, make sure you don't sacrifice coverage to reduce premiums. In many cases, an accident victim reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find for the lowest price.