Car Insurance in Shirley - 5 Ways to Save Money

Beginners to buying insurance online will discover purchasing low-cost Shirley car insurance quite challenging.

It's important to compare prices periodically since rates are constantly changing. Even if you got the best deal a year ago there may be better deals available now. Starting now, forget anything you know (or think you know) about car insurance because we're going to show you the proper way to find lower rates on car insurance.

If you currently have car insurance, you will be able to save some money using these methods. The purpose of this article is to familiarize you with how car insurance quotes work and some tricks to saving. Nevertheless, New York car owners do need to know how companies price insurance differently and take advantage of how the system works.

Shirley car insurance quote

Take advantage of discounts

Car insurance companies don't always publicize every available discount in an easy-to-find place, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Good Student - Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.
  • Life Insurance Discount - Larger companies have lower rates if you buy life insurance from them.
  • Driver Safety - Taking a driver safety course can save you 5% or more depending on where you live.
  • Anti-theft System - Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

It's important to understand that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, it doesn't quite work that way.

For a list of providers who offer car insurance discounts in Shirley, click here.

How to Get Shirley Car Insurance Comparison Quotes

There are several ways to compare rate quotes from different Shirley insurance companies. The recommended way to compare insurance prices consists of obtaining rate quotes online. This can be accomplished in several different ways.

One of the best ways to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing repetitive form submissions for each company. Just one form gets rate comparisons from multiple companies. It's the fastest way to compare.

A different way to compare rate quotes is spending the time to visit the website for each individual company and fill out their own quote form. For examples sake, let's say you want to compare , and . You would have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

To view a list of companies in Shirley, click here.

The most time-consuming method to get comparison rates is driving around to different Shirley agent offices. Buying insurance online makes this process obsolete unless you prefer the professional guidance of a licensed agent. It is possible to compare online quotes and still use a local agent and we'll cover that in a bit.

However you get your quotes, be sure to compare the exact same information for each comparison quote. If you use higher or lower deductibles it will be impossible to determine the lowest rate in Shirley. Slightly different coverage limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes will increase your chances of finding the best price.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there is no "perfect" insurance plan. Everyone's needs are different.

These are some specific questions may help highlight whether your personal situation would benefit from an agent's advice.

  • Does my insurance cover a custom paint job?
  • Should I buy only the required New York minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Affordable insurance is out there

While you're price shopping online, you should never sacrifice coverage to reduce premiums. Too many times, someone dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

You just learned a lot of techniques to get a better price on car insurance. The most important thing to understand is the more quotes you get, the better chance you'll have of finding lower rates. Drivers may discover the most savings is with an unexpected company.

Low-cost car insurance can be purchased from both online companies and also from your neighborhood Shirley agents, so you should compare both in order to have the best price selection to choose from. Some companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.