5 Top Tricks to Cut Car Insurance Costs in Shoreham

Shopping for the most affordable Shoreham car insurance online is impossible for beginners to comparison shopping online. With so many choices of online companies available, how can consumers have a chance to compare every one to find the lowest price?

It's important to check car insurance prices quite often since rates are constantly changing. Just because you found the best rates last year the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about car insurance online, so we're going to give you some great ways to save money.

Are you getting all your discounts?

Car insurance is not cheap, but there are discounts available that you may not know about. Certain discounts will be applied when you complete an application, but some may not be applied and must be asked for before they will apply. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Senior Citizens - Mature drivers may receive reduced rates.
  • Memberships - Being a member of a civic or occupational organization may earn a discount on your policy.
  • Government Employees - Being employed by or retired from a federal job may qualify you for a discount with certain companies.
  • Multi-policy Discount - When you combine your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.

A little note about advertised discounts, some credits don't apply to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will reduce the cost of coverage.

To see a list of providers with discount car insurance rates in Shoreham, click here.

Shoreham car insurance quote

Free Quotes for Car Insurance in Shoreham, New York

Most companies provide prices for coverage on the web. Getting quotes is fairly straightforward as you simply enter your coverage information as detailed in the form. Once you submit the form, the system will obtain your driving record and credit report and provides a quote based on many factors.

Online quotes makes comparing rates easy, but the work required to visit many different websites and complete many quote forms is repetitive and time-consuming. But it's very important to get many rate quotes if you want to find the best price on car insurance.

The preferred way to locate the lowest prices is to use a quote form to return rates from many companies. The form is fast, requires less work, and makes quoting online much easier. After sending your information, it gets priced with multiple companies and you can pick your choice of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the policy. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and submit the form. If you have your current policy handy, we recommend you complete the form with the coverages as close as possible to your current policy. This makes sure you will receive a fair comparison based on the exact same insurance coverage.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different.

For instance, these questions may help you determine whether you might need an agent's assistance.

  • Do I need PIP (personal injury protection) coverage in New York?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Do I qualify for additional discounts?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?
  • Should I buy only the required New York minimum liability coverage?
  • Do I need to file an SR-22 for a DUI in New York?
  • Does medical payments coverage apply to all occupants?

If you can't answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

How can Allstate and Progressive save drivers who switch?

Consumers in New York can't get away from ads for car insurance savings by companies like Allstate and Progressive. All the ads have a common claim about savings if you change to them.

How can each company claim to save you money?

All the different companies have a preferred profile for the type of driver that is profitable for them. A good example of a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any new insured that hits that "sweet spot" gets the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be charged higher rates and this can result in the customer not buying. Company advertisements say "customers that switch" not "everybody who quotes" save money. This is how companies can truthfully advertise the savings.

That is why drivers must quote coverage with many companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

And the best car insurance company is...

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. Too many times, drivers have reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Cheaper car insurance can be sourced both online and with local Shoreham insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

We just covered a lot of ways to compare car insurance prices online. It's most important to understand that the more quotes you get, the better your comparison will be. Drivers may discover the lowest rates come from a small local company.

Shoreham car insurance comparison

More sites with car insurance information

Additional information can be read on the New York Department of Financial Services website located here. Visitors are able to read consumer alerts, read enforcement actions against agents and companies, and find out which companies have the most complaints.