How to Find Cheaper Suffern Auto Insurance

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies selling insurance in Suffern.

If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. The purpose of this article is to introduce you to how car insurance quotes work. But New York drivers do need to know how companies determine prices and take advantage of how the system works.

compare Suffern auto insurance rates

Finding Auto Insurance in Suffern, NY

Most companies such as State Farm, Allstate and GEICO give coverage price quotes directly from their websites. Getting online rates doesn't take a lot of time as you simply type in your coverage preferences into the quote form. When the form is submitted, the company's rating system will obtain credit information and your driving record and gives you a price quote based on many factors.

Online price quotes makes it a lot easier to compare rates but the process of having to visit different websites and type in the same information is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible in order to get a lower rate.

A quicker way to get multiple rate quotes uses one simple form that gets prices from a lot of companies. It's a real time-saver, eliminates form submissions, and makes online shopping much easier to do. As soon as you send your information, your coverage is rated and you are able to buy any of the quotes returned.

If a lower price is quoted, you can click and sign and purchase coverage. This process takes just a few minutes to complete and may result in a nice savings.

To save time and find out how much you're overpaying now, click here and fill out the form. If you have a policy now, it's recommended you duplicate coverages and limits identical to your current policy. This ensures you will be getting an apples-to-apples comparison for similar insurance coverage.

More discounts equal less premium

Insuring your fleet can be pricey, buy you may qualify for discounts to help offset the cost. Some trigger automatically when you quote, but lesser-known reductions have to be manually applied before you get the savings.

  • Military Discounts - Having a deployed family member can result in better rates.
  • Anti-theft System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Student Driver Training - Have your child successfully complete driver's ed class in high school.
  • Low Mileage Discounts - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Discount for Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Discount for New Cars - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Multiple Policy Discount - When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way. But all discounts will cut your premiums.

To see a list of insurance companies with the best auto insurance discounts in Suffern, follow this link.

It's not one size fits all

When choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone's situation is a little different.

Here are some questions about coverages that might point out if you would benefit from an agent's advice.

  • Am I covered when pulling a rental trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is rental equipment covered for theft or damage?
  • Is my dog or cat covered if injured in an accident?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?

If you don't know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Much more information about auto insurance in New York is available on the New York Department of Financial Services website located here. New York consumers can view a list of available companies, read consumer alerts, and find disaster information.