Easy Tips to Save Money on Spring Valley Car Insurance

Purchasing the lowest cost Spring Valley car insurance on the web can be rather challenging for consumers new to price shopping online. When there are so many companies in the marketplace, how can consumers even start to compare the different rates to find the lowest rates?

Why some people pay less for insurance in Spring Valley

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that will entitle you to better car insurance rates.

Lower rates with optional equipment - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
The more you drive the more you pay - Driving more miles in a year's time the higher your rate. Most companies charge to insure your cars based on their usage. Autos that are left in the garage qualify for better rates compared to those used for work or business. Verify your car insurance coverage shows the proper vehicle usage.
Discounts for married couples - Having a spouse can get you a discount on your car insurance policy. Having a significant other is viewed as being more mature and it's statistically proven that married drivers get in fewer accidents.
With age comes lower rates - Youthful drivers in New York are known to be careless and easily distracted when driving so they pay higher car insurance rates. Adding a youthful driver to your policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
You might want pay the small claims yourself - If you file claims often, you can expect either higher rates or even cancellation. Companies in New York give lower rates to drivers who file claims infrequently. Car insurance is intended for the bigger claims that can't be paid out-of-pocket.

Policy discounts you shouldn't miss

Companies do not advertise every discount very clearly, so we took the time to find both the well known and the more hidden ways to save on car insurance.

Payment Method - If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
Auto/Life Discount - Some companies give a discount if you purchase life insurance from them.
Paperwork-free - Some insurance companies may give you up to $50 just for signing your application over the internet.
Distant Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Government Employees - Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.

It's important to note that most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you're out of luck.

To choose insurance companies who offer car insurance discounts in New York, click this link.

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all make the same claim that you can save after switching to them. How does each company claim to save you money?

Different companies have a preferred profile for the type of driver that makes them money. For example, a driver they prefer might be between the ages of 40 and 55, has no prior claims, and has a short commute. Any driver who matches those parameters will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will be quoted a higher premium which leads to the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save money. This is how insurance companies can make the claims of big savings. This emphasizes why you should compare many company's rates. You cannot predict which insurance companies will fit your personal profile best.

Insurance agents can help

When buying the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

For example, these questions can help discover whether your personal situation will benefit from professional help.

Are my tools covered if they get stolen from my vehicle?
What are the financial responsibility laws in New York?
Does my liability insurance cover pulling a trailer or camper?
Does medical payments coverage apply to all occupants?
What are New York no-fault laws?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Additional detailed information can be found at the New York Department of Financial Services website. Visitors are able to view a list of available companies, file complaints about an insurance agent or broker, and get help finding coverage.

Shop smart and save

Insureds change insurance companies for many reasons like unfair underwriting practices, delays in paying claims, an unsatisfactory settlement offer or even not issuing a premium refund. No matter why you want to switch, finding the right car insurance provider is easier than you think.

As you shop your coverage around, never buy poor coverage just to save money. There have been many situations where consumers will sacrifice physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

Lower-priced car insurance can be sourced both online and with local Spring Valley insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers do not offer online price quotes and these regional insurance providers work with independent agents.