6 Simple Tips to Slash Car Insurance Costs in Slate Hill

If you've never shopped for car insurance online, it's easy to get confused because of the huge number of car insurance companies all offering big savings in Slate Hill.

Buying affordable car insurance in Slate Hill is simple if you know the tricks. Basically, everyone who has to buy car insurance should be able to reduce their rates. Nevertheless, New York consumers do need to know how insurance companies sell online and take advantage of how the system works.

Save big with these six discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Some discounts apply automatically when you quote, but lesser-known reductions have to be requested specifically before you get the savings.

  • Military Discounts - Having a family member in the military could be rewarded with lower premiums.
  • Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Homeowners Savings - Simply owning a home may earn you a small savings because maintaining a house requires personal responsibility.
  • Save with a New Car - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Federal Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Senior Citizens - If you qualify as a senior citizen, you may receive a discount up to 10%.

Consumers should know that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will help reduce your overall premium however.

compare Slate Hill car insurance rates

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there really is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your situation may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • When do I need to add a new car to my policy?
  • Should I buy only the required New York minimum liability coverage?
  • Who is covered when they drive my vehicle?
  • Is my cargo covered for damage or theft?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Car insurance ads bend the truth

Car insurance providers like State Farm, Allstate and GEICO consistently run ads on TV and radio. They all make the same claim of big savings if you change your policy. But how can every company claim to save you money?

All companies have a certain "appetite" for the right customer that earns them a profit. An example of a driver they prefer might be over the age of 50, a clean driving record, and has a high credit rating. Any new insured who matches those parameters will get the preferred rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile will be quoted a higher premium which leads to the customer not buying. The ads state "customers that switch" not "people who quote" save that kind of money. That is how insurance companies can confidently state the savings.

This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which company will have the lowest rates.

Additional car insurance information is available on the New York Department of Financial Services website located here. Visitors are able to find disaster information, file complaints about a company, and report car insurance fraud.

Also read more on this page for car insurance prices in New York and this page of Slate Hill insurance agents.

New York car insurance

Shop smart and save

Insureds leave their current company for a number of reasons such as unfair underwriting practices, poor customer service, lack of trust in their agent and even high prices. Whatever your reason, choosing a new insurance company is less work than it seems.

We just covered many ideas to reduce car insurance prices online. It's most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers may even find the biggest savings come from the least-expected company.

Cost effective car insurance can be sourced both online in addition to many Slate Hill insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.