Uncover the Secrets to Lower New York New York Auto Insurance

Uncover the Secrets to Lower New York New York Auto Insurance

Are you tired of paying out the nose to pay your car insurance bill each month? You are no different than millions of other consumers. Drivers have so many insurers to pick from, and though it is a good thing to have multiple companies, having more insurers makes it harder to compare company pricing.

Finding the best rates in New York is easy if you know what you’re doing. If you currently have car insurance, you should be able to lower your premiums substantially using these tips. New York consumers only need to know the most efficient way to compare prices on the web.

How to Compare Auto Insurance Costs in New York, New York

Cutting your New York auto insurance rates isn’t really that difficult. The only thing you need to do is take time to compare quotes provided by online insurance companies. This is very easy and can be done in several different ways.

  1. One of the best ways to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This method saves time by eliminating separate quotation requests for each company. One quote request gets rate comparisons from all major companies.
  2. A different way to shop for auto insurance online is to manually visit the website of each company to complete their respective quote request forms. For sake of this example, let’s assume you want comparison quotes from GEICO, Safeco and GMAC. To get each rate you have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.

    To view a list of companies in New York, click here.

  3. The hardest way to compare rates to local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance of a licensed agent. You can, however, price shop your coverage online and get advice from an agent in your area. We’ll cover that shortly.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples deductibles and coverage limits for every company. If you enter different liability limits you can’t possibly decipher which rate is best in New York.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t necessarily list every available discount very clearly, so we researched both well-publicized and the more hidden auto insurance savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Drive Safe and Save – Safe drivers may save up to 50% more than less cautious drivers.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Fewer Miles Equal More Savings – Fewer annual miles can earn better rates on cars that stay parked.

It’s important to understand that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

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Learn more about auto insurance in New York

Even more information can be read at the New York Department of Financial Services website. New York drivers can view agent and company licensing information, find out industry alerts, read state legal mandates and laws, and read industry bulletins.

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