Proven Techniques to Save on Somers Car Insurance

No one looks forward to paying for car insurance, particularly when they are paying too much. Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates while maintaining coverages. Finding affordable coverage in Somers is quite easy. New York drivers only need an understanding of the most efficient way to compare rates online.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Certain discounts will be applied when you quote, but some may not be applied and must be specially asked for before you get the savings. If you aren't receiving every discount you qualify for, you are throwing money away.

Federal Employees - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
Early Signing - A few companies offer discounts for buying a policy prior to your current policy expiring. This can save 10% or more.
Air Bag Discount - Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
Save with a New Car - Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
Distant Student - Kids in college living away from home attending college and do not have a car can receive lower rates.
No Claims - Good drivers with no accidents pay less when compared to drivers who are more careless.

It's important to understand that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

Understand what determines the rate you pay

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that will entitle you to big savings.

Listed below are some of the items that factor into prices.

High numbers of claims are not good - If you tend to file frequent claims, you can look forward to higher rates. Companies in New York award cheaper rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is intended for larger claims.
Performance influences rates - The type of car you are buying insurance for makes a huge difference in determining your rates. Small economy passenger cars receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
Clean credit earns discounts - Having a bad credit score is a large factor in determining your rates. If your credit score is lower than you'd like, you could potentially save money when insuring your by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers with poor credit.
Lower rates with optional equipment - Owning a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.

Insurance agents can help

When it comes to buying coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different so your insurance should reflect that For example, these questions may help highlight whether your personal situation might need an agent's assistance.

Am I covered if I drive in a foreign country?
Does my car insurance cover rental cars?
Should I drop comprehensive coverage on older vehicles?
Are my tools covered if they get stolen from my vehicle?
Can I still get insurance after a DUI?
Why am I required to get a high-risk car insurance policy?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can provide invaluable advice.

Save $429 a year? Really?

Consumers in New York get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all make an identical promise of big savings if you switch your policy.

How can each company claim to save you money?

All the different companies have a certain "appetite" for the right customer that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, a clean driving record, and chooses high deductibles. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't qualify for the requirements will be quoted a higher premium and ends up with the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save that kind of money. That is how insurance companies can confidently state the savings.

This emphasizes why drivers should get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

Additional New York consumer information

Additional car insurance information can be read on the website for the New York Department of Financial Services through this link. Visitors are able to download brochures, learn about specific coverages, find out industry alerts, and view a list of available companies.

A tidy conclusion

We just covered some good ideas how you can reduce car insurance prices online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may even discover the lowest rates come from an unexpected company. Regional companies can often provide lower rates in certain areas compared to the large companies like .

When buying insurance coverage, it's not a good idea to skimp on coverage in order to save money. There are too many instances where someone dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.