Easy Techniques to Save Money on Tuckahoe Auto Insurance

If online auto insurance comparisons are new to you, you may be overwhelmed due to the large number of auto insurance companies all offering big savings in Tuckahoe.

It's important to compare rates periodically because prices are constantly changing. If you had the best rates a year ago you will most likely find a better rate today. You can find a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to put money back in your pocket.

Are you getting all your discounts?

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount. If they aren't giving you every credit you qualify for, you are throwing money away.

  • Bundle and Save - If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts can get savings of 20% or more.
  • No Accidents - Good drivers with no accidents pay less as compared to drivers who are more careless.
  • Drive Less and Save - Keeping the miles down could qualify for lower rates on the low mileage vehicles.
  • Accident Forgiveness - A few companies will allow you to have one accident before your rates go up as long as you don't have any claims for a certain period of time.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will cut the cost of coverage.

New York auto insurance quotes

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Every insured's situation is different.

For instance, these questions may help highlight whether you may require specific advice.

  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my vehicle covered for flood damage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the difference between comprehensive and collision coverage?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers in New York get pounded daily by advertisements for cheaper car insurance by GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you move to their company.

How do they all claim to save you money? This is how they do it.

Different companies have a certain "appetite" for the driver that earns them a profit. A good example of a desirable insured might be over the age of 50, a clean driving record, and has excellent credit. A customer getting a price quote who fits that profile gets the lowest rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for the "perfect" profile will have to pay more money which usually ends up with the customer not buying. The ads say "drivers who switch" not "everybody who quotes" save that much. That is how companies can truthfully make those claims.

Because of the profiling, you should get quotes from several different companies. It's impossible to know which company will have the lowest rates.

Additional information can be read on the New York Department of Financial Services website. Click here for link. Visitors are able to view agent and company licensing information, find out industry alerts, and read industry bulletins.

New York auto insurance

Best coverage at the best price

While you're price shopping online, you should never buy lower coverage limits just to save a few bucks. In many instances, someone dropped collision coverage and discovered at claim time they didn't purchase enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price.

We covered a lot of information how to reduce auto insurance prices online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a lesser-known regional company.

Consumers who switch companies do it for any number of reasons including policy non-renewal, poor customer service, high rates after DUI convictions and even delays in responding to claim requests. Regardless of your reason for switching companies, switching auto insurance companies is less work than it seems.