How to Get Cheap South Hempstead Auto Insurance

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

Finding the best rates in South Hempstead is not that difficult. Just about everyone who carries auto insurance should be able to save money. Although New York drivers do need to know how insurance companies determine prices and use this information to your advantage.

Are you getting all your discounts?

Companies don't list every discount very clearly, so we break down both well-publicized and also the lesser-known ways to save on auto insurance.

  • Federal Employees - Active or retired federal employment could cut as much as 10% off with a few auto insurance companies.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Paperwork-free - A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Low Mileage Discounts - Keeping the miles down can earn better rates on cars that stay parked.
  • Clubs and Organizations - Participating in a qualifying organization could trigger savings when shopping for auto insurance.
  • Lower Rates for Military - Having a family member in the military can result in better rates.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. So even though it sounds like adding up those discounts means a free policy, you won't be that lucky.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there isn't really a one size fits all plan. Every situation is different.

For instance, these questions might point out whether you may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • Does my personal policy cover me when driving my company car?
  • Is my nanny covered when driving my vehicle?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?

If it's difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

How can Progressive, Allstate and GEICO save drivers who switch?

Auto insurance providers like Progressive, Allstate and GEICO regularly use ads on television and other media. They all make the same claim about savings if you move your coverage to them. How does each company make almost identical claims? It's all in the numbers.

Insurance companies have a certain "appetite" for the type of customer that earns them a profit. For example, a driver they prefer could possibly be over the age of 50, owns a home, and drives less than 7,500 miles a year. A driver who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted a higher premium which leads to the driver buying from a lower-cost company. The ad wording is "customers who switch" not "everybody who quotes" save that much money. That is how companies can truthfully advertise the way they do. This emphasizes why you should compare many company's rates. It is impossible to predict which company will provide you with the cheapest rates.

For more New York car insurance information

Even more information can be found at the New York Department of Financial Services website. New York consumers can download brochures, read consumer alerts, and view a list of available companies.

South Hempstead auto insurance quote

Affordable insurance is out there

Insureds who switch companies do it for a variety of reasons including extreme rates for teen drivers, policy non-renewal, unfair underwriting practices and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new auto insurance company is less work than it seems.

When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.

The cheapest auto insurance is possible online as well as from independent agents in South Hempstead, and you should be comparing both to have the best selection. Some auto insurance companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.