Who Has the Cheapest Car Insurance Quotes for Handicapped Drivers in New York?

The vehicle you are buying coverage for is one of the primary factors in finding low-cost insurance for handicapped drivers. Vehicles with more horsepower, a lack of modern safety features, or a track record of large liability claims will cost significantly more to insure than more modest models. The next table features insurance premiums for some of the most budget-friendly automobiles to buy coverage for.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Prices do not factor in garaging location in New York which can modify premium rates noticeably.

Looking at the data, you can presume that vehicles like the Hyundai Elantra, Toyota Prius, and Honda CR-V are likely to be a few of the most economical vehicles to insure for drivers with handicaps.

When shopping for insurance for drivers with handicaps, one of the many things that is used by insurance companies to determine insurance cost is where your car is garaged in New York. Cities with more crime and/or more people like New York, Hempstead, and Mount Vernon tend to have more expensive auto insurance rates, whereas areas with less traffic congestion and claims get the luxury of paying less.

The information below ranks the highest-priced areas in New York for handicapped drivers to buy an auto insurance policy in.

Rates are estimated as zip code location can decrease or increase insurance rates noticeably.

The information below highlights how deductible selection can increase or decrease insurance rates when quoting cheap insurance for handicapped drivers. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

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In the chart above, a 30-year-old driver could lower their car insurance rates by $292 a year by changing from a $100 deductible up to a $500 deductible, or save $442 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could potentially save up to $628 each year just by choosing higher deductibles when buying full coverage.

When increasing deductibles, it will be required to have enough funds in savings to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Rate comparison of full coverage and liability-only

Finding the cheapest car insurance for handicapped drivers in New York should be important to most vehicle owners, and one of the quickest ways to lower the cost of insurance is to buy only liability coverage. The diagram below visualizes the comparison of insurance costs when comparing full coverage to liability only. The rates are based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 2911,807],[‘Age 30’, 1501,447],[‘Age 40’, 1499,415],[‘Age 50’, 1361,389],[‘Age 60’, 1315,383],[‘Age 70’, 1581,509]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in New York’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

On average, physical damage coverage on your policy costs an extra $1,695 per year over and above liability only. A very common question is if physical damage coverage is worth the money. There isn’t a steadfast formula of when to phase out comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

Who has the cheapest insurance quotes for drivers with handicaps?

Thanks to technology, drivers have a lot of ways to compare auto insurance quotes in New York, but the three most common methods are from an exlusive agent such as Allstate or State Farm, an independent agent, or direct either online or via phone.

You can use whichever you prefer, but they differ slightly in how they work.

Independent agents have contracts with many companies and can get policy pricing from every one. Agents of this type are not required to write business for one company and can get prices from more than one company, which can give you better odds of saving money. If a cheaper price is found, your policy is moved internally which prevents you from having to find a new agency.

An agent who is captive is only able to give prices for a single insurance company, examples being Liberty Mutual and Allstate agents. These agents normally cannot quote prices from more than a single company, so it’s a good idea to get additional quotes.

Opting to purchase auto insurance direct means you skip local agents and buy direct online or over the phone from a company like Esurance or Geico. Shopping direct may be a decent choice drivers who do not need advice for asset protection and know what specific coverages and deductibles they need.

So which method is best to buy the cheapest car insurance for handicapped drivers in New York? It would be obvious to point out buying direct results in the best prices because there isn’t an agent involved, but that turns out to not be true. It would also be easy to say using an independent agent is the best way to go due to having more companies to select from, but again, it’s not a sure thing. And sometimes, exclusive agents may have very competitive prices that independents and direct companies can’t touch.

Because there are so many factors that make up auto insurance rates, the one way to get rock-bottom rates is to get rate quotes and compare. If time allows, get price quotes all three ways to have the best selection of rates to choose from. For a list of auto insurance companies with low rates, click here to view.

How to find the cheapest car insurance for handicapped drivers

The list below shows some money-saving suggestions that can help drivers locate low-cost coverage.

• Prevent price hikes by avoiding at-fault accidents
• Do not file small claims
• Increase your comprehensive and collision deductibles
• Just one traffic violation will increase your rates
• Bundle car and home insurance and save money
• Drivers with good credit often pay less
• Compare prices as often as possible

The last suggestion is extraordinarily important, as we pointed out in this article. Prices in New York fluctuate considerably, so don’t be hesitant to switch companies if a better rate can be found. Sticking with a specific company is fine, but it’s not recommended if that loyalty ends up costing a small fortune year after year. It takes less than five minutes to shop around to find cheaper auto insurance for handicapped drivers.