Easy Methods to Save Money on Rocky Point Auto Insurance

Comparing Rocky Point auto insurance rates online might seem complicated at first if you are a beginner to online rate quotes. Don't let that stop you because it's actually quite easy.

If you have a policy now or need a new policy, you can learn to get lower rates while maximizing coverage. Shopping for affordable auto insurance in Rocky Point is easy if you know what you're doing. New York vehicle owners just need to know the most effective way to get comparison rates on the web.

Save big with these discounts

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be manually applied prior to getting the savings. If you aren't receiving every discount you qualify for, you are throwing money away.

Multiple Cars - Insuring all your vehicles on one policy may reduce the rate for each vehicle.
Anti-theft System - Anti-theft and alarm systems help deter theft and will save you 10% or more.
Military Rewards - Having a deployed family member could be rewarded with lower premiums.
Use Seat Belts - Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
Federal Employees - Active or retired federal employment can earn a discount up to 10% depending on your company.
Good Student - Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
Auto/Home Discount - If you have multiple policies with the same company you may earn 10% to 20% off each policy.
Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can qualify for discounts of more than 20%.
Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies don't profit that way. But all discounts will reduce your overall premium however.

But I don't know anything about car insurance

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Everyone's needs are different.

These are some specific questions might point out if your situation would benefit from professional advice.

Am I covered when driving on a suspended license?
Does my personal auto insurance policy cover using my vehicle for business use?
Am I covered when delivering products for my home-based business?
Why am I be forced to buy a membership to get insurance from some companies?
Am I covered if I drive in a foreign country?
Should I buy only the required New York minimum liability coverage?
What are the best liability limits?

If you don't know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.

Auto insurance ads bend the truth

New York drivers get pounded daily by advertisements for cheaper car insurance by companies like Allstate, GEICO and Progressive. All the companies say the same thing that you'll save big if you change to them.

How can each company say the same thing?

Different companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a profitable customer might be profiled as a mature driver, owns a home, and has a short commute. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements must pay a more expensive rate which usually ends up with business not being written. The ad wording is "customers that switch" not "people who quote" save money. That is how companies can make the claims of big savings.

This illustrates why you should get a wide range of price quotes. It's not possible to predict which company will fit your personal profile best.

Much more information about auto insurance in New York is located on the New York Department of Financial Services website located here. New York drivers can report car insurance fraud, read consumer alerts, and find disaster information.

And the best car insurance company is...

Discount auto insurance is attainable on the web and with local Rocky Point insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not offer you the ability to get quotes 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 buy lower coverage limits just to save a few bucks. In too many instances, an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Consumers leave their current company for a number of reasons such as lack of trust in their agent, policy non-renewal, delays in responding to claim requests and even being labeled a high risk driver. Whatever your reason, choosing a new insurance company is less work than it seems.