Car Insurance in West Islip - 5 Ways to Save Money

Finding the most affordable West Islip car insurance on the web may be impossible for beginners to comparison shopping online. With so many choices of online companies, how can consumers possibly compare every one to find the best price?

It's important to shop coverage around on a regular basis since rates are constantly changing. Even if you got the best price a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to the tricks you need to know to lower your rates without sacrificing coverage.

If you have a current car insurance policy or need a new policy, you can follow these tips to find the best rates and still get good coverage. The purpose of this post is to help educate you on how to effectively get price quotes and some money-saving tips. New York vehicle owners just need to know the most efficient way to get comparison quotes over the internet.

Take advantage of discounts

Car insurance can cost a lot, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied when you quote, but less common discounts must be manually applied prior to getting the savings. If they aren't giving you every credit you deserve, you're paying more than you need to.

Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
Accident Waiver - A few companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
Auto/Life Discount - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
Driver Safety - Taking part in a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.

Consumers should know that many deductions do not apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way. But all discounts will cut your overall premium however.

To see a list of providers who offer car insurance discounts in West Islip, click this link.

West Islip Car Insurance Prices Online

Finding cheaper car insurance prices is surprisingly easy. Just take time comparing rates from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The best way to find low rates is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form entry to each individual car insurance company. One form submission gets rate comparisons direct from many companies. It's the fastest way to compare.
A different way to compare rate quotes is spending the time to visit each company website to complete their respective quote request forms. For sake of this example, we'll assume you want comparison quotes from , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why the first method is more popular. To view a list of companies in West Islip, click here.

It doesn't matter which method you choose, just ensure you are comparing the exact same information on every quote you get. If you enter higher or lower deductibles it's not possible to determine which rate is truly the best in West Islip.

Are car insurance companies telling the truth?

Consumers can't get away from ads for car insurance savings from the likes of State Farm and Allstate. All the ads make the same claim that you'll save big after switching your coverage to them.

How do they all make the same claim?

All the different companies have a preferred profile for the type of customer that is profitable for them. For example, a preferred risk could be between the ages of 30 and 50, insures multiple vehicles, and has a short commute. Any new insured who matches those parameters will qualify for the lowest rates and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will be charged a higher premium which leads to business going elsewhere. The ad wording is "customers that switch" not "people who quote" save that much money. This is how companies can make the claims of big savings.

That is why drivers must get a wide range of price quotes. It's just too difficult to predict which insurance companies will fit your personal profile best.

And the best car insurance company is...

You just learned many ideas to compare car insurance prices online. The most important thing to understand is the more you quote, the better chance you'll have of finding lower rates. Consumers may even find the lowest rates come from the least-expected company.

Discount car insurance can be purchased from both online companies as well as from independent agents in West Islip, and you should compare price quotes from both to have the best rate selection. Some insurance providers don't offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

For more New York car insurance information

Much more information about car insurance in New York can be found on the New York Department of Financial Services website located here. Consumers can file complaints about a company, get help finding coverage, and file complaints about an insurance agent or broker.