Top Ways to Save on Waverly Auto Insurance

Overpriced auto insurance can overdraw your checking account and force you to make sacrifices. Shopping your coverage around is a great way to cut your insurance bill. You have so many to buy insurance from, and although it's a good thing to have a selection, lots of choices makes it harder to compare rates.

It's important to price shop coverage on a regular basis because prices are constantly changing. Even if you think you had the best price a couple years back the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because we're going to demonstrate how to quote online to properly buy coverages while reducing your premium.

Save big with these discounts

Companies offering auto insurance do not advertise all their discounts very clearly, so we took the time to find both the well known and also the lesser-known discounts you could be receiving. If you're not getting every credit you deserve, you're paying more than you need to.

College Student - Youth drivers who attend school more than 100 miles from home and don't have a car may qualify for this discount.
Sign Online - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
Drive Less and Save - Low mileage vehicles can earn a substantially lower rate.
Own a Home - Owning a house in Waverly can save you money because maintaining a house is proof that your finances are in order.
Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, it just doesn't work that way.

To see a list of companies with discount auto insurance rates in New York, click here.

How to Lower Your Auto Insurance Cost in Waverly, New York

Finding cheaper auto insurance prices can be surprisingly simple. You just have to take a few minutes comparing rates provided by online insurance companies. This can be done in a couple of different ways.

The best way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do a different quote to each individual auto insurance company. One form submission will get you price quotes .
A slightly less efficient method to get quotes online requires a visit to each company's website to complete their respective quote request forms. For examples sake, we'll pretend you want comparison quotes from , and . To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker.

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

However you get your quotes, ensure you are comparing identical coverage limits on every quote you get. If you use differing limits you can't possibly determine which rate is truly the best in Waverly.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with big savings.

Mature drivers pay less - Youthful drivers in New York have a tendency to be more careless when driving so they pay higher auto insurance rates. Adding a youthful driver onto your auto insurance can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
Being married is a good thing - Having a spouse helps lower the price on auto insurance. It usually means you are more mature and statistics show married drivers get in fewer accidents.
Don't buy coverages you don't need - There are quite a few add-on coverages that you can buy when buying auto insurance. Coverages for roadside assistance, towing coverage and membership fees are some examples. These coverages may sound good initially, but your needs may have changed so eliminate them to save money.
Higher safety ratings means cheaper insurance - Vehicles with good safety scores get lower rates. These vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and thus lower rates.
Men are more aggressive - Statistics have proven that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but the males tend to have more serious accidents. They also get more serious tickets like DUI and reckless driving.
Cautious drivers pay less - Drivers with clean records get better rates than their less careful counterparts. Even a single speeding ticket may increase your cost by as much as thirty percent. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.

Auto insurance ads bend the truth

Consumers in New York can't get away from ads for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you can save if you change your policy.

How does each company claim to save you money? It's all in the numbers.

All the different companies have a preferred profile for the right customer that is profitable for them. For example, a desirable insured might be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and most likely will save when switching.

Drivers who fall outside these standards will have to pay a higher premium and this can result in the customer not buying. The ads state "customers who switch" not "people who quote" save that kind of money. This is how insurance companies can advertise the way they do. Because of the profiling, drivers must get as many quotes as possible. It's impossible to know which insurance companies will provide you with the cheapest rates.

In the end, you save

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are many occasions where drivers have reduced physical damage coverage only to discover later that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at the best price.

Affordable auto insurance is attainable both online in addition to many Waverly insurance agents, and you need to price shop both to have the best selection. Some auto insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

For more New York auto insurance information

Additional detailed information can be found at the New York Department of Financial Services website. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, discover disciplinary actions, and find disaster information.