Proven Ways to Save on White Plains Auto Insurance

Scraping up a payment for overpriced auto insurance can overdraw your checking account and put a big crunch on your finances. Doing a price comparison is free and is an excellent way to cut your insurance bill. Multiple compete for your business, and because of this it can be hard to compare to find the lowest price

It's important to compare prices yearly because prices are constantly changing. Despite the fact that you may have had the lowest price last year there is a good chance you can find better rates now. There is a lot of bad information regarding auto insurance on the web, but we're going to give you some great ways to reduce your auto insurance bill.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to find the best rates while maintaining coverages. Choosing the best insurance company for you in White Plains is easy if you know what you're doing. New York vehicle owners just need to know the most effective way to find the lowest price over the internet.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the rating factors that help determine the rates you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get big savings.

The following are a partial list of the pieces used by your company to calculate your rates.

Cautious drivers pay less - Drivers who don't get tickets get better rates compared to drivers with tickets. Only having one ticket can bump up the cost by as much as thirty percent. Drivers who get flagrant violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
Your location affects your rates - Residing in less populated areas has it's advantages when talking about auto insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. City drivers have congested traffic and much longer commute distances. More time commuting translates into higher accident risk.
Teen drivers pay high rates - More mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be careless and easily distracted when driving therefore auto insurance rates are much higher.
Don't sacrifice liability coverage - Liability coverage is the protection in the event that you are found liable for personal injury or accident damage. Liability insurance provides legal defense which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
Discounts for married couples - Having a wife or husband can get you a discount on your auto insurance policy. Marriage translates into being more mature than a single person and statistics show married drivers get in fewer accidents.

Compare Auto Insurance Today

There are multiple methods to compare auto insurance quotes, but one way is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with insurance agencies in White Plains, or you could use the web to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace that enables customers to enter their policy data once, and each participating company can provide price quotes determined by their information. This system prevents you from having to do quotation requests to each individual auto insurance company.

To submit your quote information now, click here to open in new window.

The single downside to comparing rates this way is you are unable to specify which providers you will receive quotes from. If you wish to select specific insurance companies to compare rates, we have a page of companies who write auto insurance in New York. Click to view list.

It's up to you how you get prices quotes, just make sure you use the exact same coverage information on every quote you get. If your comparisons have unequal deductibles or liability limits you can't possibly determine which rate is truly the best in White Plains.

Don't pay full price with these discounts

Car insurance can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but a few must be asked for before you get the savings. If they aren't giving you every credit you deserve, you are paying more than you should be.

Good Student Discount - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
Auto/Life Discount - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
Senior Citizens - If you're over the age of 55, you may be able to get a small decrease in premiums.
Multiple Vehicles - Having multiple vehicles with the same company can get a discount on all vehicles.
E-sign - A handful of insurance companies may give you up to $50 for buying a policy and signing up on their website.
Multi-policy Discount - If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
Low Mileage - Fewer annual miles could be rewarded with better rates on cars that stay parked.
Student Driver Training - Cut your cost by having your teen driver take driver's ed class if it's offered in school.
Accident Waiver - A few companies allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.

Drivers should understand that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will cut your premiums.

To choose providers who offer auto insurance discounts in White Plains, click this link.

The auto insurance bait and switch

Consumers in New York can't ignore all the 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 claim to save you money? It's all in the numbers.

All the different companies have a preferred profile for the type of customer that makes them money. For instance, a preferred risk might be a mature driver, has no prior claims, and has great credit. A customer getting a price quote who matches those parameters receives the best rates and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be charged a higher premium which leads to the customer not buying. Company advertisements say "customers who switch" not "everyone that quotes" save that much money. This is how companies can advertise the savings.

That is why you need to get as many quotes as possible. It's impossible to know which insurance companies will give you the biggest savings.

Your personal situation dictates your coverage

When buying the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else's so this has to be addressed. Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

Should I buy only the required New York minimum liability coverage?
When does my teenage driver need to be added to my policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered if I wreck a rental car?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?
What are the financial responsibility laws in New York?

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Much more information about auto insurance in New York is located on the website for the New York Department of Financial Services found here. Visitors are able to file complaints about a company, view agent and company licensing information, read enforcement actions against agents and companies, and find out which companies have the most complaints.

And the best car insurance company is...

We covered some good ideas how to compare auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with a small mutual company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as .

As you prepare to switch companies, never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best price, not the least amount of coverage.

Budget-conscious auto insurance can be bought both online as well as from independent agents in White Plains, and you need to price shop both to have the best selection. There are still a few companies who don't offer online price quotes and many times these small, regional companies only sell through independent insurance agents.