Buy Smithtown New York Car Insurance Like a Bargain Hunter

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me when I say you’re not alone.

Lots of insurers contend for your business, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Buying car insurance in Smithtown is easy if you know what you’re doing. Nevertheless, New York car owners must learn how big insurance companies sell online.

Don’t miss these discounts

Companies don’t always publicize every discount in an easy-to-find place, so we researched some of the more common and the more hidden car insurance savings.

• Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
• Federal Employees – Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
• Life Insurance Discount – Larger companies have better rates if you take out a life insurance policy as well.
• Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
• Driver Safety – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
• Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
• Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

Additional consumer information websites

Additional detailed information can be read at the New York Department of Financial Services website. Consumers can view a list of available companies, find disaster information, and find out industry alerts.

Better coverage you can count on

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where an insured cut physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.

Cheaper car insurance is possible from both online companies and also from your neighborhood Smithtown agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.