How to Get the Cheapest Westbury Auto Insurance

Purchasing affordable Westbury auto insurance online may be rather challenging for consumers new to shopping for insurance online. When there are so many companies competing online, how can consumers possibly compare the different rates to find the lowest price available?

It's important to compare prices on a regular basis since insurance rates are constantly changing. Despite the fact that you may have had the lowest rates last year you can probably find a better price now. Starting now, ignore everything you know about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these methods. This information will help educate you on how to get online quotes and some tips to save money. But New York vehicle owners do need to know the way insurance companies compete online and use this information to your advantage.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of the factors that help determine auto insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with much lower annual insurance costs.

The following are a few of the "ingredients" auto insurance companies consider when setting rates.

Being married is a good thing - Having a spouse can get you a discount on auto insurance. It means you're more mature than a single person and statistics show married drivers get in fewer accidents.
Men pay higher rates - Statistics have proven women are more cautious behind the wheel. However, this does not mean men are worse drivers. Both sexes tend to get into accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Teenage male drivers are the most expensive to insure and are penalized with high auto insurance rates.
Your car's features help determine rates - Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
Bundling policies can get discounts - Many insurance companies will give a discount to people who carry more than one policy such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even though this discount sounds good, it's still a good idea to comparison shop to ensure the best deal.
Poor credit can mean higher rates - Credit history is a big factor in determining what you pay for auto insurance. So if your credit is not that good, you could save money insuring your by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
Keep rates low by being claim-free - Car insurance companies in New York generally give cheaper rates to people who are claim-free. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

Sign Online - A few companies give back up to $50 for buying a policy and signing up digitally online.
Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.
Payment Method - By paying your policy upfront instead of making monthly payments you may reduce your total bill.
Own a Home - Owning a house in Westbury can save you money due to the fact that maintaining a home is proof that your finances are in order.
Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
Theft Prevention Discount - Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
Driver Safety - Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
Passive Restraints - Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
Government Employees - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
Multiple Vehicles - Insuring multiple vehicles with the same company can get a discount on all vehicles.

Drivers should understand 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 despite the fact that it appears all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will reduce your overall premium however.

To choose companies who offer auto insurance discounts in Westbury, click here.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, GEICO and Progressive continually stream ads on TV and radio. They all seem to have a common claim that you'll save big after switching to their company. How can each company say the same thing? It's all in the numbers.

Insurance companies have a preferred profile for the driver that makes them money. For example, a desirable insured might be profiled as a mature driver, insures multiple vehicles, and has great credit. A propective insured that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay higher prices and this can result in business not being written. The ads state "customers who switch" not "people who quote" save that much. This is how companies can advertise the savings.

Because of the profiling, you should compare many company's rates. It's not possible to predict which insurance companies will give you the biggest savings.

For more New York auto insurance information

Much more information about auto insurance in New York can be found on the New York Department of Financial Services website found here. New York drivers can get help finding coverage, learn about insurance regulations, and view a list of available companies.

Affordable insurance is out there

Budget-conscious auto insurance can be bought on the web and also from your neighborhood Westbury agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, it's a bad idea to buy poor coverage just to save money. In many cases, drivers have reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the best price.

Drivers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, denial of a claim, unfair underwriting practices or even policy non-renewal. No matter why you want to switch, finding a new auto insurance company is easier than you think.