Getting Low-Cost Stony Point Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are many people just like you. Because you have many choices, it can be challenging to locate the most cost effective company.

Finding affordable auto insurance in Stony Point is not that difficult. If you have a policy now or are looking for a new policy, you can learn to find the best rates and possibly find even better coverage. New York drivers only need an understanding of the tricks to get comparison rates on the web.

Save big with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be manually applied prior to getting the savings. If you don't get every credit possible, you are throwing money away.

Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
Low Mileage Discounts - Low mileage vehicles can earn discounted rates on garaged vehicles.
Homeowners Discount - Simply owning a home can help you save on auto insurance because maintaining a house is proof that your finances are in order.
Discount for Good Grades - Performing well in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
Clubs and Organizations - Participating in a professional or civic organization is a good way to get lower rates when shopping for auto insurance.
Safety Course Discount - Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.

It's important to understand that most discount credits are not given the the whole policy. Some only apply to individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will help reduce your overall premium however.

Auto insurance ads bend the truth

New York consumers get pounded daily by advertisements that promise big savings from the likes of State Farm, Allstate and GEICO. They all make an identical promise of big savings if you change your coverage to them.

But how can every company make almost identical claims?

All the different companies are able to cherry pick for the type of customer that earns them a profit. For example, a driver they prefer could possibly be over the age of 50, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "people who quote" save that much money. That's the way insurance companies can confidently advertise the way they do.

This emphasizes why you should compare as many rates as you can. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Find out more about auto insurance

Additional auto insurance information can be found on the website for the New York Department of Financial Services located here. New York consumers can view a list of available companies, find disaster information, report car insurance fraud, and file complaints about a company.

Also read more on this site for auto insurance rates in New York and this list of insurance agents in Stony Point, NY.

Best coverage at the best price

Low-cost auto insurance can be sourced online as well as from independent agents in Stony Point, and you should be comparing both to have the best rate selection. Some auto insurance companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.

You just read some good ideas how you can reduce auto insurance prices online. It's most important to understand that the more providers you compare, the better chance you'll have of finding lower rates. Drivers may discover the biggest savings come from the least-expected company. Regional companies can often provide lower rates in certain areas than their larger competitors like .