9 Discounts Yorktown Heights Drivers Forget when Shopping for Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are many people just like you. Numerous battle for your insurance dollar, so it can be very hard to choose a and uncover the absolute lowest price

It's important to take a look at other company's rates every six months since rates are constantly changing. If you had the lowest rates six months ago you will most likely find a better rate today. Starting now, block out anything you think you know about car insurance because we're going to show you the tricks you need to know to reduce your cost while increasing coverage.

If you are insured now or are looking for a new policy, you can learn to find better prices while maintaining coverages. Finding affordable coverage in Yorktown Heights is quite easy. New York drivers only need an understanding of the most effective way to compare rates online.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be requested specifically prior to getting the savings. If they aren't giving you every credit possible, you are throwing money away.

Life Insurance - Larger companies have lower rates if you buy life insurance from them.
Clubs and Organizations - Being a member of certain professional organizations is a good way to get lower rates on car insurance.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
Save with a New Car - Putting insurance coverage on a new car is cheaper compared to insuring an older model.
Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
Service Members Pay Less - Being on active duty in the military can result in better rates.
Discount for Good Grades - Performing well in school can save 20 to 25%. This discount can apply up to age 25.

It's important to understand that most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, it doesn't quite work that way. Any qualifying discounts will cut the amount you have to pay.

Save $429 a year? Really?

Consumers in New York get pounded daily by advertisements that promise big savings by GEICO, State Farm and Progressive. They all seem to make an identical promise of big savings if you move to their company.

How do they all claim to save you money?

Different companies are able to cherry pick for the driver that earns them a profit. For example, a desirable insured might be a mature driver, has no driving citations, and has a high credit rating. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay a higher premium and ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently state the savings.

Because of the profiling, you should get as many comparisons as possible. It's just too difficult to predict which car insurance company will have the lowest rates.

Additional car insurance information can be found on the website for the New York Department of Financial Services located here. Visitors are able to file complaints about an insurance agent or broker, find out which companies have the most complaints, view a list of available companies, and report car insurance fraud.

In the end, you save

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed uninsured motorist or liability limits only to regret that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Low-cost car insurance is possible both online and also from your neighborhood Yorktown Heights agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.