Top 6 Ways to Save on Car Insurance in Wilmington, NY

Cutting costs on Wilmington car insurance is a challenge for consumers not familiar with shopping for insurance online. People have so many options that it can be more work than you anticipated to compare prices in Wilmington.

If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices and still get good coverage. Buying the lowest cost car insurance in Wilmington is simple if you know the tricks. New York vehicle owners just need to know the best way to compare prices on the web.

compare Wilmington car insurance rates

How much can you save with these six discounts?

Companies offering auto insurance don't always publicize every discount in an easy-to-find place, so here is a list some of the more common and the more hidden savings tricks you should be using. If they aren't giving you every credit available, you are paying more than you should be.

  • Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
  • No Accidents - Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • Low Mileage Discounts - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Safety Course Discount - Completing a driver safety course could save 5% or more if your company offers it.
  • Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Distant Student - Kids in college who live away from home and don't have a car can receive lower rates.

Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, companies don't profit that way.

To choose insurance companies with discount car insurance rates in Wilmington, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Consumers can't ignore all the ads for the lowest price auto insurance by State Farm, Allstate and GEICO. They all make an identical promise that you'll save big if you change to their company.

How do they all make the same claim?

All companies can use profiling for the driver that makes them money. An example of a driver they prefer could be between the ages of 40 and 55, is a homeowner, and has excellent credit. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't meet the "perfect" profile will be quoted higher rates and ends up with business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That's why companies can make those claims. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.

More detailed New York car insurance information is available at the New York Department of Financial Services website. Consumers can download brochures, read industry bulletins, and find disaster information.

Best coverage at the best price

People leave their current company for many reasons like extreme rates for teen drivers, high rates after DUI convictions, delays in responding to claim requests or even questionable increases in premium. It doesn't matter what your reason, finding the right car insurance provider is easier than you think.

Discount car insurance is attainable from both online companies and also from your neighborhood Wilmington agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide online price quotes and these smaller companies work with independent agents.

While you're price shopping online, you should never buy poor coverage just to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.