Car Insurance in Williston Park - 5 Ways to Save Money

Finding affordable Williston Park car insurance on the web may be intimidating for beginners to online price comaprisons. Since there are so many online companies, how can consumers have a chance to compare every one to find the best price?

It's important to shop coverage around quite often since rates are constantly changing. Even if you got the best rates on your last policy a different company probably has better rates today. There is a lot of wrong information about car insurance online but we're going to give you some great ways to find cheap car insurance.

Finding the best rates in Williston Park is easy if you know what you're doing. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. New York vehicle owners just need to know how to buy car insurance over the internet.

Are you getting all your discounts?

Companies don't always list every available discount very well, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance. If you don't get every credit you deserve, you are throwing money away.

  • Good Student Discount - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Resident Student - Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Multi-policy Discount - If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Early Switch Discount - Select companies give a discount for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, companies wouldn't make money that way.

New York car insurance

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is no "perfect" insurance plan. Everyone's situation is unique.

For instance, these questions may help you determine whether you could use an agent's help.

  • Do I need to file an SR-22 for a DUI in New York?
  • Do I pay less if my vehicle is kept in my garage?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?

If it's difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and may give you better protection.

How can State Farm and Allstate save drivers who switch?

Consumers get pounded daily by advertisements 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.

But how can every company make the same claim? This is how they do it.

All companies have a preferred profile for the type of customer that earns them a profit. A good example of a preferred risk could be over the age of 40, insures multiple vehicles, and has great credit. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will be charged more money which leads to business going elsewhere. The ad wording is "drivers who switch" not "everybody who quotes" save that much money. This is how companies can advertise the savings. That is why drivers should compare many company's rates. It's just too difficult to predict which insurance companies will fit your personal profile best.

More sites with car insurance information

More detailed New York car insurance information can be read at the New York Department of Financial Services website. Consumers can file complaints about a company, read enforcement actions against agents and companies, and view agent and company licensing information.

Also read more on III.org's auto insurance page and this directory of insurance agents in Williston Park New York.

Williston Park car insurance comparison

And the best car insurance company is...

You just learned many ideas to reduce car insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. Consumers may even find the lowest premiums are with a smaller regional carrier.

When you buy insurance online, don't be tempted to skimp on coverage in order to save money. There have been many cases where drivers have reduced collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Budget-conscious car insurance can be purchased from both online companies as well as from independent agents in Williston Park, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who don't offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.