Free Guide to Cutting Costs on Seneca Falls Auto Insurance Online

Expensive auto insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill. There is such a variety of to buy insurance from, and even though it's nice to have multiple companies, so many choices can make it hard to compare rates.

Are you getting all your discounts?

Companies that sell car insurance don't always advertise all available discounts very clearly, so we break down both well-publicized and also the lesser-known savings tricks you should be using. If you're not getting every credit you deserve, you are throwing money away.

Multiple Vehicles - Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
Save over 55 - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
Government Employees - Active or retired federal employment can save as much as 8% depending on your company.
Seat Belts Save - Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.

It's important to note that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you're out of luck.

Understand what determines the rate you pay

Smart consumers have a good feel for the different types of things that help determine the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that could result in lower auto insurance prices.

Higher deductibles cost less - Deductibles for physical damage represent how much money you are required to spend if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, and burglary. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
Rural vs Urban Areas - Residing in a rural area is a positive aspect when insuring your vehicles. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Fewer people means reduced accidents.
Older drivers pay less - Teen drivers in New York are known to get distracted easily when driving so they pay higher auto insurance rates. Adding a youthful driver onto your auto insurance can break the bank. More mature drivers are more responsible, tend to file fewer claims and get fewer tickets.
Do you have a high stress job? - Did you know that where you work can have an impact on rates? Occupations such as lawyers, business owners and financial analysts are shown to have higher average rates due to high stress and lengthy work days. Conversely, occupations such as pilots, engineers and performers pay the least.
Do men or women drive better? - Statistics have proven that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men are in accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as DWI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn't really a cookie cutter policy. Your needs are not the same as everyone else's so your insurance should reflect that For instance, these questions can help discover whether you might need professional guidance.

Am I covered when driving on a suspended license?
When does my teenage driver need to be added to my policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Why am I required to get a high-risk car insurance policy?
Should I put collision coverage on all my vehicles?
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?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It's fast, doesn't cost anything and you can get the answers you need.

How can Allstate, GEICO and Progressive save drivers who switch?

New York consumers get pounded daily by advertisements for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies make an identical promise that you can save after switching your policy.

How does each company make almost identical claims? It's all in the numbers.

All companies have a preferred profile for the right customer that earns them a profit. For example, a profitable customer could possibly be between 30 and 50, has no prior claims, and has excellent credit. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Consumers who are not a match for these standards must pay higher prices and ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" not "everybody who quotes" save that kind of money. This is how insurance companies can make those claims. This illustrates why drivers should get quotes from several different companies. It's impossible to know which insurance companies will have the lowest rates.

Learn more about auto insurance in New York

Additional detailed information can be found at the New York Department of Financial Services website. New York consumers can report car insurance fraud, view agent and company licensing information, read enforcement actions against agents and companies, and read industry bulletins.

A tidy conclusion

Lower-priced auto insurance can be purchased online in addition to many Seneca Falls insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.