Free Guide to Paying Less for Rensselaer Falls Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are lots of people in the same boat. Consumers have many to pick from, and though it is a good thing to have a selection, it can be more difficult to compare rates.

It's important to compare rates at least once a year because prices are constantly changing. Just because you found the lowest price on your last policy the chances are good that you can find a lower rate today. Don't believe everything you read about auto insurance online but we're going to give you some great ways to save money.

Finding affordable coverage in Rensselaer Falls is not that difficult. If you have a policy now or are looking for a new policy, you can follow these tips to find better prices and possibly find even better coverage. New York consumers only need to know the best way to compare rates on the web.

Policy discounts you shouldn't miss

Car insurance companies don't always advertise every available discount very clearly, so we researched both well-publicized as well as the least known ways to save on auto insurance. If you're not getting every credit possible, you're paying more than you need to.

Passive Restraint Discount - Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
Low Mileage - Low mileage vehicles could be rewarded with better rates on cars that stay parked.
Multiple Cars - Buying insurance for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
Multi-policy Discount - When you combine your home and auto insurance with one company you may save up to 20% off your total premium.
No Accidents - Drivers with accident-free driving histories pay much less compared to bad drivers.
E-sign - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to individual premiums such as medical payments or collision. Just because you may think you can get free auto insurance, you won't be that lucky.

To see a list of providers with discount auto insurance rates in New York, click this link.

How to Compare Rensselaer Falls Auto Insurance Costs

Finding cheaper auto insurance prices can be relatively painless. Consumers just need to take the time comparing rate quotes from different insurance companies. This can be done using a couple different methods.

The best way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This form eliminates the need for separate quote forms for every auto insurance company. Completing one form gets you price quotes from many national carriers.
A more difficult way to shop for auto insurance online requires a trip to each company website to complete their respective quote request forms. For instance, let's say you want to compare rates from , and . To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

For a list of links to companies insuring cars in Rensselaer Falls, click here.

It doesn't matter which method you choose, just compare identical quote information on every quote you get. If you use mixed coverages it will be impossible to determine which rate is truly the best in Rensselaer Falls.

You have some control over your rates

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that can help you get lower auto insurance prices.

Careful drivers pay lower rates - Your driving record has a lot to do with how much you pay for insurance. Even a single citation can boost insurance rates forty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers who get dangerous violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
Safer cars cost less to insure - Cars with high safety ratings tend to have better insurance rates. Safer cars reduce injuries and lower injury rates means lower claim amounts and thus lower rates.
Adjust deductibles and save - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be a windshield shattered by a rock, damage caused by hail, or theft. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Pleasure use saves money - The higher the mileage driven in a year the higher your rates will be. Most insurance companies apply a rate based upon how you use the vehicle. Autos left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
Where you reside plays a part - Choosing to live in a rural area has it's advantages when insuring your vehicles. Drivers in populated areas have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
Do you work long hours in a high stress job? - Occupations like judges, executives and financial analysts tend to have higher average rates because of high stress levels and lengthy work days. Conversely, occupations like actors, engineers and retirees receive lower rates.
Being married can save on auto insurance - Having a wife or husband helps lower the price on your auto insurance policy. Marriage means you're more responsible and it's proven that being married results in fewer claims.

Save $429 a year? Really?

New York consumers can't get away from ads that promise big savings by State Farm and Allstate. All the ads make the same claim about savings if you change to their company.

How does each company make almost identical claims?

All companies are able to cherry pick for the driver that is profitable for them. For instance, a preferred risk could possibly be between the ages of 40 and 55, has no tickets, and has great credit. A customer getting a price quote who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't qualify for these standards will be charged a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way companies can truthfully advertise the savings. That is why drivers must get as many comparisons as possible. It's impossible to know which auto insurance company will fit your personal profile best.

In the end, you save

You just read many ideas to compare auto insurance prices online. It's most important to understand that the more you quote, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from a small local company. These smaller insurers may cover specific market segments cheaper compared to the large companies like .

The cheapest auto insurance can be sourced online and also from your neighborhood Rensselaer Falls agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

When you buy insurance online, make sure you don't reduce coverage to reduce premium. There have been many cases where an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Even more information is located at the New York Department of Financial Services website. New York consumers can file complaints about a company, find disaster information, report car insurance fraud, and file complaints about an insurance agent or broker.

Additional helpful sites include NAIC.org's Understanding your Policy and this directory of Rensselaer Falls insurance agents.