Proven Ways to Save on South Wales Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us when we tell you many South Wales consumers feel financially strained by their auto insurance policy. Popular companies such as State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and it can be hard to sift through the bull and find the best price available.

It's important to take a look at other company's rates at least once a year because insurance rates are constantly changing. If you had the lowest rates six months ago you may be paying too much now. So block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to reduce your cost while increasing coverage.

If you are insured now or are looking for a new policy, you can use these techniques to find better prices and possibly find even better coverage. Finding the best rates in South Wales is quite easy. New York drivers only need an understanding of the most efficient way to buy auto insurance online.

Compare the Market for Auto Insurance in South Wales

Most major insurance companies quote coverage prices directly from their websites. Getting online rates is pretty painless as you simply enter the coverage amounts you desire as detailed in the form. Behind the scenes, the company's rating system will obtain reports for credit and driving violations and generates pricing information based on many factors. Online quotes helps simplify price comparisons, but the time it takes to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it's very important to compare as many rates as possible if you are searching for the best price on auto insurance.

A less time-consuming method to find better auto insurance pricing uses one simple form that analyzes rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much more enjoyable and efficient. Once the form is submitted, it is quoted and you are able to buy your choice of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It takes less than 15 minutes and may result in a nice savings.

To save time and find out if lower rates are available, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you duplicate your coverages identical to your current policy. This way, you will receive comparison quotes based on similar coverages.

South Wales Rates are Influenced by These Factors

It's important that you understand the factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that can help you get better auto insurance rates.

The list below includes a few of the "ingredients" auto insurance companies consider when setting your rates.

Traffic violations increase rates - Your driving record has a huge affect on how much you pay. Even a single moving violation can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
Safe vehicles cost less to insure - Safer cars get lower rates. Safer cars reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders.
Rates may be higher depending on your occupation - Occupations like lawyers, social workers and dentists tend to have the highest average rates in part from job stress and long work hours. Other occupations such as actors, historians and the unemployed receive lower rates.
Theft deterrents lower rates - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Policy add-ons can waste money - There are a lot of extra coverages you can purchase on your auto insurance policy. Insurance for rental car reimbursement, better glass coverage and term life insurance are some examples. They may seem good when talking to your agent, but if they're wasting money eliminate the coverages to reduce your premium.
Older drivers save more - Older insureds tend to be more responsible, tend to cause fewer accidents and get fewer tickets. Teen drivers tend to get distracted easily when behind the wheel and because of this, their auto insurance rates are much higher.
Men fork out a little more - Statistics demonstrate women are more cautious behind the wheel. However, don't assume that men are worse drivers. Men and women are in accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as DWI and reckless driving.

Are you getting all your discounts?

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount. If you aren't receiving every discount possible, you're just leaving money on the table.

Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
Service Members Pay Less - Being deployed with a military unit can result in better rates.
No Accidents - Drivers with accident-free driving histories can save substantially compared to frequent claim filers.
Drivers Ed for Students - Require your teen driver to take driver's ed class in high school.
Defensive Driving Course - Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
Resident Student - Youth drivers who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
No Charge for an Accident - A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free for a certain period of time.
Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.

Consumers should know that some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will reduce the cost of coverage.

For a list of providers with the best auto insurance discounts in South Wales, click here.

Additional auto insurance information can be found on the website for the New York Department of Financial Services. Click here for link. New York consumers can file complaints about a company, find disaster information, read industry bulletins, and view a list of available companies.

A tidy conclusion

In this article, we presented a lot of techniques to lower your auto insurance rates. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as .

Cost effective auto insurance is definitely available online and also from your neighborhood South Wales agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.