Free Guide to Paying Less for Valley Stream Auto Insurance Online

Scraping up a payment for overpriced auto insurance can take a big chunk out of your savings account, especially in this economy. Doing a price comparison is a smart way to tighten up your finances. Big-name insurance companies like GEICO and Progressive constantly blast consumers with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to do rate comparisons yearly because prices are constantly changing. Just because you had the best rates on your last policy there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about auto insurance online but I'm going to show you some great ways to reduce your auto insurance bill.

If you have insurance now or need new coverage, you will benefit by learning to get lower rates while maintaining coverages. Finding affordable coverage in Valley Stream is easy if you know what you're doing. New York vehicle owners just need to know the tricks to compare prices online.

Why some people pay less for insurance in Valley Stream

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with lower auto insurance prices.

Teen drivers pay high rates - More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers. Youthful drivers are statistically proven to be careless and easily distracted when driving and because of this, their auto insurance rates are much higher.
Your location is important - Residing in a rural area can be a good thing when talking about auto insurance. Less people living in that area means fewer accidents and a lower car theft rate. City drivers have much more traffic to deal with and much longer commute distances. More time commuting means higher likelihood of an accident.
Your credit rating is important - Credit score is a important factor in determining what you pay for auto insurance. If your credit score is lower than you'd like, you could save money insuring your by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.
Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, architects and dentists tend to pay the highest average rates because of stressful work requirements and lengthy work days. Other occupations like pilots, historians and homemakers have the lowest average rates.
Are you male or female? - Statistics have proven women are more cautious behind the wheel. That doesn't necessarily mean that women are better drivers. Women and men have accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.

Compare Auto Insurance Today

Comparing auto insurance rates can take hours if you don't understand the most efficient way. You can spend your afternoon talking about coverages with local insurance agents in Valley Stream, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies take part in a program that allows shoppers to enter their policy data once, and at least one company then gives them pricing determined by their information. This eliminates the need for quote requests for each company you want a rate for. To submit your quote information now, click here to open in new window.

The one disadvantage to using this type of system is you don't know exactly which providers to receive prices from. If you wish to select specific providers to receive pricing from, we have a page of auto insurance companies in New York. Click here for list of insurance companies in New York.

It doesn't matter which method you choose, just make sure you use exactly the same coverages and limits on every quote. If your comparisons have different deductibles it's impossible to make a fair comparison in Valley Stream.

How much can you save with discounts?

Companies that sell car insurance don't always list all their discounts in a way that's easy to find, so the following is a list of both the well known as well as the least known auto insurance savings. If you aren't receiving every discount you deserve, you are paying more than you should be.

College Student - Children living away from home attending college and do not have a car can receive lower rates.
Bundle and Save - If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
Passive Restraint Discount - Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
Accident Free - Drivers who don't have accidents pay less as compared to accident-prone drivers.
Accident Waiver - A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Multi-car Discount - Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
Payment Discounts - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
Sign Online - Certain companies may give you up to $50 for buying a policy and signing up digitally online.

Consumers should know that most credits do not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies don't profit that way.

To choose companies offering auto insurance discounts in Valley Stream, follow this link.

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

Consumers in New York can't ignore all the ads for car insurance savings by companies like Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you'll save big if you switch to them.

How can each company claim to save you money?

All companies have a preferred profile for the type of driver that makes them money. A good example of a desirable insured might be over the age of 50, has no prior claims, and has great credit. A customer getting a price quote who fits that profile receives the best rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will have to pay higher rates which usually ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save money. This is how companies can advertise the savings. Because of the profiling, you need to get quotes from several different companies. It's impossible to know which insurance companies will fit your personal profile best.

How much car insurance do I need?

When buying coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's situation is a little different and a cookie cutter policy won't apply. For example, these questions can help discover if your insurance needs may require specific advice.

Do I pay less if my vehicle is kept in my garage?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover me when driving someone else's vehicle?
Does my insurance cover a custom paint job?
Am I covered when driving on a suspended license?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

More detailed New York auto insurance information can be read at the New York Department of Financial Services website. Visitors are able to read enforcement actions against agents and companies, view agent and company licensing information, find out industry alerts, and read industry bulletins.

In the end, you save

When you buy insurance online, it's a bad idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at a price you can afford.

We covered a lot of tips how to compare auto insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may be surprised to find that the biggest savings come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .

Discount auto insurance is available both online and with local Valley Stream insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer online price quotes and most of the time these small insurance companies sell through independent agents.