Sodus Auto Insurance For Less Than You're Paying Now

Finding the most affordable Sodus auto insurance on the internet is rather challenging for consumers new to comparing rates online. When there are so many online companies, how can you possibly compare the different rates to find the cheapest rates?

It's important to shop coverage around on a regular basis because prices are constantly changing. Even if you got the best rates a few years ago you can probably find a better price now. There is a lot of bad information regarding auto insurance on the web, but I'm going to show you some great ways to quit paying high auto insurance rates.

Tips to Get Lower Sodus Rates

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

With age comes lower rates - More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations. Youthful drivers are known to be more careless when driving therefore auto insurance rates are much higher.
Your spouse saves you money - Getting married can get you a discount when buying auto insurance. It translates into being more responsible and it's proven that married drivers get in fewer accidents.
Proper usage rating affects rates - Driving more miles in a year's time the more you will pay for auto insurance. Almost all companies charge to insure your cars based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your auto insurance coverage is showing the proper vehicle usage.
Liability coverage is cheap - Liability coverage is the protection if ever you are found liable for personal injury or accident damage. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
Better crash test results mean better rates - Vehicles with good safety scores are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
Policy add-ons can waste money - There are a ton of add-on coverages that you can buy when buying auto insurance. Coverages like roadside assistance, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but now you might not need them so get rid of them and save.

Save big with these discounts

Companies offering auto insurance don't necessarily list all their discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known auto insurance savings.

College Student - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Accident Waiver - A few companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
Sign Online - A handful of insurance companies may give you up to $50 for buying your policy on their website.
Lower Rates for Military - Having a deployed family member may qualify for rate reductions.

A little note about advertised discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you won't be that lucky.

To choose companies who offer auto insurance discounts in Sodus, follow this link.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to say the same thing about savings after switching your coverage to them. How do they all claim to save you money?

All the different companies have a preferred profile for the type of customer that makes them money. A good example of a desirable insured might be between the ages of 40 and 55, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Drivers who fall outside the "perfect" profile will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much money. This is how companies can truthfully advertise the way they do. Because of the profiling, you should get as many quotes as possible. It's impossible to know which insurance companies will provide you with the cheapest rates.

For more New York auto insurance information

Even more information can be read at the New York Department of Financial Services website. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, and file complaints about an insurance agent or broker.

Shop smart and save

When shopping online for auto insurance, never buy poor coverage just to save money. There are many occasions where drivers have reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at a price you can afford.

Cheaper auto insurance can be purchased both online as well as from independent agents in Sodus, so you should be comparing quotes from both to have the best selection. Some auto insurance companies don't offer online price quotes and most of the time these small insurance companies sell through independent agents.

Consumers change insurance companies for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, delays in paying claims or even lack of trust in their agent. Whatever your reason, choosing a new insurance company is easier than you think.