Top 6 Ways to Save Money on Car Insurance in Sidney

Shopping for the lowest cost Sidney car insurance online is impossible for consumers new to comparison shopping online. With so many choices of companies competing online, how can you effectively compare the different rates to find the best price?

It's important to price shop coverage quite often since rates are constantly changing. Even if you think you had the best price six months ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate how to quote online to get good coverage at a lower rate.

More discounts equal less premium

Companies that sell car insurance don't list every available discount very clearly, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Good Student Discount - A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • 55 and Retired - Mature drivers may receive a discount up to 10%.
  • Low Mileage - Low mileage vehicles can earn a substantially lower rate.
  • Accident Waiver - Certain companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Drivers Education - Have your child take driver's ed class if offered at their school.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky.

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

New York car insurance

Free Quotes for Car Insurance in Sidney, New York

Most companies like State Farm and Allstate provide coverage price quotes directly from their websites. Getting quotes doesn't take a lot of time as you simply enter your coverage information into the quote form. Once you submit the form, their rating system will obtain your driving and credit reports and quotes a price determined by many factors.

Quoting online makes it a lot easier to compare rates but having to visit many different websites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to do this if you want to find a lower rate.

Quote rates the easy way

The preferred way to locate the lowest prices is to use a quote form that analyzes rates from several different companies. It's a real time-saver, eliminates repetitive work, and makes online price comparison a lot less work. Once the form is submitted, it gets priced with multiple companies and you can pick any one of the price quotes you receive. If a lower price is quoted, it's easy to complete the application and buy the policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and complete the simple form. If you currently have coverage, we recommend you duplicate your coverages as close as possible to your current policy. This makes sure you're receiving a fair comparison based on the exact same insurance coverage.

It's not one size fits all

When choosing the right insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's needs are different.

Here are some questions about coverages that may help you determine if you might need professional guidance.

  • Do I need to file an SR-22 for a DUI in New York?
  • Should I buy additional glass protection?
  • Is my vehicle covered for flood damage?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • What can I do if my company won't pay a claim?
  • Why does it cost so much to insure a teen driver in Sidney?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don't have a local agent, fill out this quick form.

Switch companies and save? Really?

Companies like State Farm and Allstate consistently run ads in print and on television. All the ads have a common claim about savings if you change your policy. How does each company make the same claim?

Different companies have a preferred profile for the right customer that is profitable for them. For example, a preferred risk could be between 30 and 50, insures multiple vehicles, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and therefore will save when switching.

Potential customers who do not match these standards will be charged a more expensive rate and this can result in business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully state the savings. That is why drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will have the lowest rates.

Affordable insurance is out there

You just learned a lot of techniques to compare car insurance prices online. It's most important to understand that the more you quote, the better likelihood of reducing your rate. Consumers could even find that the best prices are with a small local company.

As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage only to regret at claim time that they should have had better coverage. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Cheaper car insurance is attainable from both online companies in addition to many Sidney insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Sidney car insurance comparison

Even more information can be found at the New York Department of Financial Services website. Consumers can file complaints about a company, learn about insurance regulations, and discover disciplinary actions.