Free Guide to Spending Less for Remsen Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, many Remsen consumers feel financially strained by their auto insurance policy.

Companies like GEICO and Progressive constantly blast consumers with ad campaigns and it can be hard to sift through the bull and effectively compare rates to find the best deal.

Don't pay full price with these discounts

Car insurance companies don't always list all available discounts in a way that's easy to find, so we researched both the well known and the harder-to-find auto insurance savings.

Memberships - Being a member of a civic or occupational organization could qualify you for a break when buying auto insurance.
Multi-car Discount - Having more than one vehicle on the same auto insurance policy qualifies for this discount.
Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you may save up to 20% off your total premium.
Claim Free - Drivers with accident-free driving histories pay much less when compared with bad drivers.
Paperless Signup - Certain companies may give you up to $50 just for signing your application digitally online.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it just doesn't work that way.

To see a list of insurers offering auto insurance discounts in Remsen, follow this link.

How to Compare Auto Insurance Quotes in Remsen, New York

There are multiple methods to compare auto insurance prices but some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with insurance companies in Remsen, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace that enables customers to send in one quote, and each participating company returns a rated price for coverage. This eliminates the need for quotation requests to each individual auto insurance company. To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you can't choose which carriers you want pricing from. If you prefer to choose specific providers to compare prices, we have assembled a list of the cheapest auto insurance companies in New York. Click here for list of insurance companies in New York.

Whichever way you use, ensure you are comparing exactly the same coverage limits and deductibles on every quote you get. If you use different liability limits it will be very difficult to determine which rate is truly the best in Remsen. Just a small difference in limits can result in a big premium difference. Just remember that comparing a large number of companies will improve the odds of getting the best rates.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in lower auto insurance prices.

Listed below are a partial list of the pieces used by your company to calculate premiums.

Do you have enough liability coverage? - Liability insurance provides coverage if you are found liable for personal injury or accident damage. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
Do you know your deductibles? - Your deductibles represent how much money you are willing to pay before your auto insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims would be colliding with a building, collision with an animal, or theft. The more you have to pay, the less your auto insurance will be.
Discounts for multiple policies - Most companies will award you with lower prices to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount, it's in your best interest to compare rates to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.
Your job and insurance rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations such as judges, architects and dentists have the highest average rates in part from high stress and lengthy work days. Other jobs such as actors, historians and homemakers get better rates.
Marriage pays dividends - Having a wife or husband can actually save you money when buying auto insurance. Having a spouse translates into being more mature it has been statistically shown that being married results in fewer claims.
Never let your coverage lapse - Having an insurance coverage lapse is a fast way to trigger a rate increase. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a steep fine or even jail time.

The auto insurance bait and switch

Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies say the same thing that you can save if you switch your coverage to them. How can each company claim to save you money? This is how they do it.

All companies are able to cherry pick for the type of customer that is profitable for them. For instance, a profitable customer might be between the ages of 30 and 50, has no driving citations, and has a short commute. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save when they switch companies.

Drivers who don't measure up to the requirements must pay a higher premium which usually ends up with the customer not buying. Company advertisements say "drivers who switch" not "everyone that quotes" save that much money. That's the way insurance companies can make the claims of big savings. This illustrates why drivers must get as many comparisons as possible. It's impossible to know which auto insurance company will fit your personal profile best.

Shop smart and save

Affordable auto insurance can be found both online as well as from independent agents in Remsen, and you should compare price quotes from both to have the best selection. Some insurance providers don't offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

As you shop your coverage around, it's a bad idea to reduce coverage to reduce premium. In too many instances, someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Learn more about New York auto insurance

Additional detailed information is located at the New York Department of Financial Services website. Visitors are able to find out which companies have the most complaints, report car insurance fraud, read consumer alerts, and read industry bulletins.