Best Cheap Auto Insurance for Drivers with Accidents in New York

It would sure be easy if we could just tell you the company that has the best auto insurance prices in New York. It’s not that easy, however, as there are a whole bunch of unknown factors such as your credit rating, the crash test ratings of your vehicle, if you are a homeowner, and if you have any driving citations. This article delves into the best ways to pay less and should give you a good beginning to your search for cheaper coverage.

We all have different tastes in cars, and the vehicle that needs insurance is a large factor in finding the best cheap auto insurance for drivers with accidents in New York. Vehicles with lots of horsepower, a lack of safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models. The tables below showcases car insurance premiums for a handful of the most cost-effective automobiles to buy coverage for.

Prices above based on single male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can modify premiums significantly.

Data variables include single male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific location which can modify auto insurance rates considerably.

Price data assumes single male driver age 40, no speeding tickets, two at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rate information does not factor in vehicle garaging location which can change coverage rates greatly.

Finding reliable, affordable auto insurance is not the easiest thing to do, and finding out which companies quote the most affordable insurance rates for drivers with accidents may require even more shopping around. Prices will most likely be moderately more than the average policy in New York due to the extra risk that comes with selling coverage for drivers with at-fault accidents, but reasonable coverage should be attainable with some perseverence.

Each auto insurance company uses their own calculation for determining rates, so to begin we’ll rank the lowest cost insurance companies in New York. It’s important to know that New York insurance rates are impacted by many things which can substantially change the policy price. That is why New York drivers need to shop around when trying to find affordable insurance rates for drivers with accidents. Insurance rates are calculated by many different factors and can increase or decrease at any time, so the most economical company three years ago may now be an over-priced policy.

Find the Best Cheap Insurance for Accident Prone Drivers

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USAA quotes some of the most affordable car insurance rates in New York at around $1,199 per year. Erie, Utica National, Progressive, and Travelers also make the cut as some of the more affordable New York insurance companies.

As the example above demonstrates, if you are insured with Progressive and switched to Erie, you may realize yearly savings of in the vicinity of $241. Customers with Travelers could save as much as $274 a year, and Allstate policyholders might cut rates by $286 a year.

To find the best cheap auto insurance for drivers with accidents in New York, click here to get a free quote or quote prices from the following companies.

Bear in mind that those policy rates are averages across all drivers and vehicles and are not factoring in a rate surcharge for drivers with accidents. So the auto insurance company that has the cheapest rates for you may not even be shown in the rate chart shown above. That helps illustrate why you need to compare as many prices as possible using your own specific driver and vehicle information.

When shopping for cheaper auto insurance for drivers with at-fault accidents, one of the many things that affect the price you pay for insurance is where you keep your car in New York. Areas with more people or higher crime rates like New York, Freeport, and Mount Vernon tend to pay slightly more, whereas more rural areas benefit from lower rates.

The illustration below shows the highest-priced areas in New York for drivers with accidents to buy an auto insurance policy in.

Rate information is approximated as specific New York garaging address can raise or lower auto insurance rates substantially.

How violations and accidents impact rates

The recommended way to get the best insurance premiums for drivers with at-fault accidents is to drive cautiously and have a clean driving record. The example below demonstrates how citations and accident claims influence insurance premiums for different age categories. The premiums assume a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

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The data above shows the average cost of car insurance in New York per year with no accidents or violations is $1,863. Add in two speeding tickets and the average cost jumps to $2,468, an increase of $605 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of insurance for drivers with accidents goes up to an average of $4,719. That’s an increase of $2,855, or $238 per month, just for not being more responsible behind the wheel!

Company comparison: Progressive vs Geico vs Allstate vs State Farm

When shopping around for auto insurance for drivers with at-fault accidents in New York, four of the larger companies to compare rates for are Progressive, Geico, Allstate, and State Farm. Combined they make up 48.5% of the entire U.S. market share. The following table breaks down some of the different options and features that may be available in New York.

How to find the cheapest auto insurance for drivers with accidents

Below you’ll find a few penny-pinching suggestions that can help you find more affordable coverage.

• Accidents can significantly increase rates
• Improve your credit rating
• Avoid price increases by not filing claims
• Safer vehicles generally have cheaper insurance rates
• Do not get traffic violations
• Compare rate quotes frequently

The last tip is remarkably valuable, as we emphasized in the prior information. Prices charged by auto insurers in New York change frequently, so drivers shouldn’t hesitate to buy from a different company if a more affordable price is available. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if it’s costing you major coinage every year. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for drivers with accidents.

Cheapest insurance quotes for drivers with at-fault accidents

Thanks to technology, drivers have a lot of ways to quote cheap insurance rates in New York, but the most frequently used methods are through an exlusive agent like Allstate or State Farm, a non-exclusive or independent agent, or from a direct company like Progressive. Each way is similar, but each is different in how they provide rate quotes.

Independent agents have contracts with multiple insurance companies and can compare rates with every one. These types of agents are usually affiliated with several companies and can get prices from more than one company, which can give you a better overall rate comparison. If your premiums go up, your policy is moved internally which makes it simple for you.

An agent who is captive is limited to one company, two of the more popular are State Farm and Allstate agents. Exclusive agents generally are unable to quote rates from more than one company, so if rates are not competitive, they cannot give other choices.

Direct insurance buyers forego either of the other two types of agents and instead buy from a direct company like Progressive. This option is a good choice for people who do not need high levels of coverage and have some degree of understanding of what coverage limits and deductibles they need.

Which way is best to find the best cheap auto insurance for drivers with accidents in New York? The quick answer would be buying direct results in the cheapest rates since no commissions are paid to an agent, but that does not always hold true. A valid argument could also be made that using an independent agent is the best way to save due to more options, but that assumption is not true either. In the right set of circumstances, exclusive agencies have price quotes that cannot be met by either independent or direct companies.

Since insurance prices are based on many different factors, the guaranteed way to make sure you’re not overpaying for insurance is to do a thorough rate comparison. If you want to save money, get rate quotes from all three in order to find the best price. For a list of insurance companies with low rates, click here to view.