Free Guide to Saving Money on Wading River Car Insurance Online

Having to pay for overpriced car insurance can empty your bank account, especially in this economy. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. Because you have many choices, it can be challenging to locate the right car insurance company.

It's important to compare prices quite often since rates are constantly changing. Just because you had the best deal on your last policy you will most likely find a better rate today. So just ignore everything you know about car insurance because we're going to show you the only way to find lower rates on car insurance.

The purpose of this article is to help you learn how car insurance quotes work and some money-saving tips. If you currently have car insurance, you should be able to save some money using these methods. New York consumers only need to know the most efficient way to get comparison rates online.

Save big with these discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be inquired about prior to getting the savings. If you don't get every credit you deserve, you are throwing money away.

  • Sign Online - Some insurance companies may give you up to $50 for buying your policy online.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Early Signing - Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Good Student Discount - Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Auto/Life Discount - Companies who offer life insurance give a break if you buy life insurance from them.
  • Accident Waiver - Some insurance 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.
  • Bundle and Save - If you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Every insured's situation is different so this has to be addressed. These are some specific questions may help you determine if your situation might need an agent's assistance.

  • Does medical payments coverage apply to all occupants?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Should I buy only the required New York minimum liability coverage?
  • What are the financial responsibility laws in New York?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when driving in Canada or Mexico?
  • What companies insure drivers after a DUI or DWI?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.

Car insurance ads bend the truth

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

But how can every company claim to save you money? This is how they do it.

Different companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured might be between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any new insured who matches those parameters will get very good rates and most likely will save a lot of money.

Potential customers who fall outside this ideal profile will have to pay a more expensive rate which leads to the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. This is how companies can truthfully advertise the savings.

Because of the profiling, you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will fit your personal profile best.

Additional information is available on the website for the New York Department of Financial Services. Click here for link. Visitors are able to get help finding coverage, read enforcement actions against agents and companies, learn about specific coverages, and file complaints about a company.

Also read more on this site for New York car insurance information and see this list of insurance agents in Wading River.

Wading River car insurance comparison

Best coverage at the best price

The cheapest car insurance is available both online and also from your neighborhood Wading River agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When you buy insurance online, don't be tempted to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage for the lowest price.

We just covered some good ideas how to reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from a lesser-known regional company. Regional companies may cover specific market segments cheaper than their larger competitors like .