Car Insurance in Whitehall - 7 Discounts You Might be Forgetting

Overpriced car insurance can dwindle your checking account and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

You have so many to pick from, and although it's nice to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around on a regular basis since rates are constantly changing. Even if you got the best price two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the only way to find the best coverage while lowering your premiums.

New York car insurance quotes

How to Lower Your Car Insurance Cost in Whitehall, New York

There are several ways to compare rate quotes from local Whitehall car insurance companies. The best method to find competitive insurance rates is to get quotes online. This can be done using a couple different methods.

  • The recommended way to find low rates is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating multiple quote forms for every car insurance company. One form submission compares rates from multiple low-cost companies.
  • A different way to get quotes online is going to the website for each individual company to complete a price quote. For example, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to visit each site and enter your information, and that's why the first method is more popular. To view a list of companies in Whitehall, click here.
  • The least recommended way to compare rates is driving to different agent offices. Shopping for car insurance online has reduced the need for local agents unless you have a need for the professional advice of a local agent. However, consumers can get the lowest quotes online and still use a local agent and we'll cover that in a bit.

It's your choice how you get your quotes, but ensure you are comparing identical coverage limits and deductibles for every company. If you have different liability limits it will be very difficult to decipher which rate is best in Whitehall. Quoting even small variations in limits may result in large price differences. Just remember that comparing more company's prices helps you find the best rates.

Save big with these seven discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don't even know exist. Larger premium reductions will be automatically applied at quote time, but a few need to be specially asked for in order for you to get them.

  • Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • Accident Waiver - Certain companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Bundle and Save - When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Drive Less and Save - Driving fewer miles can earn discounted rates on garaged vehicles.
  • Multi-car Discount - Insuring more than one vehicle on the same car insurance policy qualifies for this discount.

Keep in mind that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you can get free auto insurance, it just doesn't work that way. But any discount will bring down your overall premium however.

To see a list of companies offering car insurance discounts in New York, click here to view.

More information can be found on the website for the New York Department of Financial Services. Click here for link. Consumers can file complaints about an insurance agent or broker, learn about insurance regulations, find out industry alerts, and view agent and company licensing information.

Additional helpful sites include Wikipedia and this page where you can research Whitehall insurance agents.