Rome Auto Insurance For Less Than You're Paying Now

Cutting costs on Rome auto insurance is nearly impossible for people who are new to comparison shopping online. People have so many companies to choose from that it can be a ton of work to find the best price in Rome.

Cheap Rome Auto Insurance Comparisons

There are several ways you can shop for auto insurance and some are less labor-intensive and much quicker. You could spend your day driving to agents in Rome, or you could save time and use the internet to get rates in a matter of minutes.

All the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company returns a competitive quote determined by their information. This eliminates the need for repetitive form submissions for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The only drawback to doing it this way is you can't choose which companies to get quotes from. So if you prefer to pick individual companies for rate comparison, we put together a list of auto insurance companies in New York. Click here for list of insurance companies in New York.

Whichever way you use, ensure you're using exactly the same coverages and limits for each price quote. If your comparisons have different deductibles it will be impossible to truly determine the lowest rate in Rome.

Tips to Get Lower Rome Rates

It's important that you understand some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to better auto insurance rates.

Listed below are some of the factors used by your company to calculate prices.

Always keep insurance in force - Having an insurance coverage lapse is a guaranteed way to bump up your auto insurance costs. Not only will rates go up, getting caught without coverage can result in a steep fine or even jail time.
You might want pay the small claims yourself - Companies in New York provide cheaper rates to insureds who do not file claims often. If you file claims often, you can look forward to either higher rates or even cancellation. Car insurance is designed for major claims that would cause financial hardship.
High credit ratings translate to low rates - Having a bad credit score is a important factor in your rate calculation. If your credit history is lower than you'd like, you could be paying less to insure your by improving your credit score. People with high credit scores tend to be more responsible than drivers who have poor credit.
Theft deterrents lower rates - Driving a car with an alarm system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
Liability coverage is cheap - Liability insurance will protect you when a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so buy as much as you can afford.
Little extras can really add up - There are many extra bells and whistles that can waste your money on your auto insurance policy. Insurance for vanishing deductibles, accident forgiveness and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
Where you live can impact rates - Being located in a small town can save you money when insuring your vehicles. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers who live in large New York cities regularly have traffic congestion and longer commute times. Higher commute times means higher likelihood of an accident.
Marriage pays dividends - Being married can actually save you money when buying auto insurance. Having a significant other translates into being more responsible and it's proven that drivers who are married are more cautious.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount. If you aren't receiving every discount available, you're just leaving money on the table.

Use Seat Belts - Drivers who require all occupants to use their safety belts could cut 10% or more off your medical payments premium.
Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with a few auto insurance companies.
Passive Restraint Discount - Cars that have air bags can qualify for discounts of 20% or more.
Payment Discounts - If you pay your bill all at once rather than paying monthly you could save up to 5%.
Club Memberships - Participating in a civic or occupational organization could qualify you for a break when shopping for auto insurance.
Defensive Driver - Taking a course in driver safety could save 5% or more depending on where you live.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

For a list of insurance companies offering auto insurance discounts in Rome, follow this link.

Additional information is available on the New York Department of Financial Services website located here. New York consumers can find a variety of consumer forms, download brochures, and find out industry alerts.

Best coverage at the best price

Consumers switch companies for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, poor customer service and questionable increases in premium. It doesn't matter what your reason, choosing a new insurance company is not as hard as you think.

You just read many ways to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small local company.

Cheaper auto insurance is available online as well as from independent agents in Rome, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and these smaller companies work with independent agents.