How to Know You're Throwing Money Away for Auto Insurance in Troy

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than many other New York consumers.

You have so many to pick from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates.

It's important to shop coverage around before your policy renews since insurance rates are constantly changing. Even if you think you had the best price six months ago there may be better deals available now. Forget all the misinformation about auto insurance because we're going to demonstrate how to quote online to reduce your cost while improving coverage.

Buying car insurance in Troy is easy if you know what you're doing. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these methods. But New York vehicle owners do need to know the way companies market insurance on the web and apply this information to your search.

Save big with these discounts

Companies offering auto insurance don't always advertise all their discounts very clearly, so we took the time to find some of the best known as well as the least known auto insurance savings.

Homeowners Pay Less - Owning a house in Troy may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
Claim Free - Claim-free drivers can save substantially as compared to frequent claim filers.
Safety Course Discount - Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.
New Vehicle Savings - Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
Employee of Federal Government - Simply working for the federal government could cut as much as 10% off with select insurance companies.
Senior Discount - Older drivers may receive a small decrease in premiums.
Passive Restraint Discount - Factory air bags may earn rate discounts of more than 20%.
Discount for Swiching Early - Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.

Drivers should understand that most credits do not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, companies wouldn't make money that way.

For a list of companies with discount auto insurance rates in New York, follow this link.

Compare Troy Auto Insurance Costs

There are several ways to compare rate quotes and find the best price. The recommended way to find competitive insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

One of the best ways to find low rates is to use a rate comparison form click to view form in new window. This method prevents you from having to do boring form submissions for each company you want a rate for. In just a few minutes this one form will get you price quotes from all major companies.

A harder way to get quotes online requires a visit to each individual company website to complete their respective quote request forms. For sake of this example, we'll pretend you want rates from , and . To get each rate you have to spend time on each company's site to input your insurance information, which is why the first method is more popular.

To view a list of companies in Troy, click here.

The least efficient way of getting rate comparisons is to waste gas driving to and from local Troy insurance agencies. Shopping for auto insurance online makes this process obsolete unless you require the personal advice that only a license agent can provide. You can, however, compare online quotes and still use a local agent and we'll touch on that later.

Which method you use is up to you, but ensure you're using identical coverage limits on every quote you get. If each company quotes differing limits it's impossible to determine which rate is truly the best in Troy. Just a small difference in insurance coverages may result in large price differences. And when price shopping your coverage, comparing more company's prices helps you find better pricing.

Shop smart and save

Budget-conscious auto insurance is attainable on the web as well as from independent agents in Troy, and you should compare price quotes from both to have the best selection. Some insurance companies don't offer online quoting and most of the time these regional insurance providers sell through independent agents.

As you restructure your insurance plan, make sure you don't sacrifice coverage to reduce premiums. In many cases, an accident victim reduced physical damage coverage only to regret at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford.