Comparison Shop Stamford Car Insurance Prices With These Techniques

Shopping for low-cost Stamford car insurance on the internet is rather challenging for consumers new to price shopping online. Because there are so many insurance companies available, how can you even start to compare the different rates to find the lowest rates?

How much can you save with discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for in order for you to get them.

  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Paperwork-free - A few companies may give you up to $50 for buying your policy online.
  • Multiple Cars - Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Senior Citizens - If you qualify as a senior citizen, you may receive a small decrease in premiums.
  • Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

compare Stamford car insurance rates

Save 15 percent in 15 minutes? Is it for real?

Car insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all say the same thing about savings if you change your coverage to them. But how can every company claim to save you money?

Insurance companies have a preferred profile for the type of customer that earns them a profit. A good example of a driver they prefer might be a mature driver, insures multiple vehicles, and has great credit. Any driver who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile will be quoted more money which usually ends up with the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully advertise the savings.

This emphasizes why you should quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings.

For more New York car insurance information

Additional information can be read on the New York Department of Financial Services website through this link. Visitors are able to view a list of available companies, get help finding coverage, and report car insurance fraud.

Also read more on this site for car insurance rates in New York and this list of insurance agents in Stamford, NY.

Shop smart and save

Consumers leave their current company for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, lack of trust in their agent and even policy cancellation. It doesn't matter what your reason, finding the right car insurance provider is less work than it seems.

Cheap car insurance can be sourced both online as well as from independent agents in Stamford, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who don't offer you the ability to get quotes online and these small insurance companies work with independent agents.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.