How to Know You're Spending Too Much for Auto Insurance in Webster

Overpriced auto insurance can dwindle your checking account and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you're not throwing money away. With so many auto insurance companies to choose from, it is hard for the average consumer to choose the cheapest car insurance company.

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

Effectively comparing auto insurance prices can take time and effort if you don't know the best way to get rate quotes. You could spend your day talking to insurance agencies in Webster, or you can utilize online quoting to get the quickest rates.

All the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and every company returns a competitive quote. This saves time by eliminating quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of form is buyers cannot specifically choose which companies to get quotes from. So if you want to choose specific providers to request quotes from, we have assembled a list of low cost auto insurance companies in New York. Click to view list.

It's up to you which method you use, but ensure you are comparing apples-to-apples quote information with each company. If you are comparing mixed coverages it will be impossible to make an equal comparison in Webster.

How to Lower your Auto Insurance Rates

It's important that you understand the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Occupation reflects on rates - Did you know that where you work can have an impact on rates? Careers like lawyers, business owners and stock brokers have the highest rates attributed to high stress and lengthy work days. On the other hand, occupations like pilots, students and performers get better rates.
Pay less if you're married - Having a spouse can get you a discount on your policy. Having a significant other translates into being more mature and it's statistically proven that married drivers get in fewer accidents.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men have accidents in similar percentages, but the men have costlier accidents. Men also statistically receive more costly citations such as DWI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
More than one policy can earn a discount - Many insurers provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to shop around to verify if the discount is saving money.
Better crash test results mean better rates - Cars with high safety ratings can get you lower premiums. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates.
High deductibles save money - Deductibles for physical damage define the amount you are required to spend in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The higher the amount you have to pay, the bigger discount you will receive.

Be sure to get all your discounts

Companies offering auto insurance don't always publicize every discount very well, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you don't get every credit you deserve, you're just leaving money on the table.

Claim Free - Drivers who don't have accidents can save substantially when compared to frequent claim filers.
Paperwork-free - Certain companies will discount your bill up to fifty bucks just for signing your application online.
Accident Waiver - Some insurance companies permit an accident without raising rates if your claims history is clear prior to the accident.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Low Mileage Discounts - Fewer annual miles can earn discounted rates on garaged vehicles.

Keep in mind that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like it's possible to get free car insurance, it just doesn't work that way.

For a list of insurance companies who offer auto insurance discounts in New York, click here to view.

Additional detailed information can be found at the New York Department of Financial Services website. New York consumers can read industry bulletins, get help finding coverage, learn about insurance regulations, and read consumer alerts.

Other useful links include this online resource for auto insurance quotes in New York and this list of insurance agents in Webster.

And the best car insurance company is...

Affordable auto insurance can be sourced online as well as from independent agents in Webster, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who don't offer online quoting and these regional insurance providers work with independent agents.

When you buy insurance online, do not reduce needed coverages to save money. There are too many instances where drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.