Who Has Cheap Car Insurance for Teenage Females in New York?

When writing about car insurance, the words “affordable” or “cheap” should never appear anywhere in the article to describe car insurance prices. It’s just a fact that cheap car insurance for teenage females is pretty hard to find. Don’t let that get you down, though, because we will teach you how you can still find and buy insurance that is cheaper than your current policy.

The vehicle driven is probably the most important factor when shopping for cheap car insurance for teenage females in New York. Vehicles with limited speed and performance, good safety features, or a track record of few liability claims will cost less to insure than higher performance models.

The information below illustrates car insurance premiums for a selection of the cheapest automobiles to insure in New York.

Table data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific location information which can change insurance rates considerably.

Data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can raise or lower coverage prices greatly.

Data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in specific location which can revise auto insurance rates considerably.

For teen girls, one of the big criteria used to calculate the amount you pay for auto insurance is where your car is garaged. Areas with more people or higher crime rates like New York, Hempstead, and Yonkers tend to have higher auto insurance costs, whereas areas with less crime or weather claims generally pay less for auto insurance.

The next table shows the more expensive cities in New York for teenage females to purchase auto insurance in.

Price information shown is estimated as vehicle location can raise or lower premium rates significantly.

Ratings for New York auto insurance companies

Buying coverage from the highest-rated auto insurance provider can be rather challenging considering how many choices drivers have in New York. The company ratings in the lists below could help you pick which insurers to look at when comparing auto insurance rates for teenage females.

These rankings are only comprised of companies that write coverage in many states, so companies that only write business in New York or surrounding areas will not be included in these rankings. If you’d like to compare prices from many more New York auto insurance companies, click here.

Top 10 Major Auto Insurance Companies in New York Ranked by Customer Satisfaction

1. The Hartford – 93%
2. The General – 91%
3. Progressive – 90%
4. 21st Century – 89%
5. Erie Insurance – 88%
6. USAA – 87%
7. State Farm – 87%
8. Travelers – 87%
9. Mercury Insurance – 87%
10. Safeco Insurance – 86%

Discounts on cheap car insurance for teenage females in New York

<img class="floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-teenage-females-ny.jpg" alt="Cheaper New York auto insurance for teen girls”/>Insurers that offer coverage for teenage females may also give you special discounts that could potentially reduce rates by as much as 25% or more if you are eligible to receive them. The best auto insurance companies and a summarized list of policyholder discounts are:

The diagram below visualizes the comparison of auto insurance rates with and without discounts applied to the premium. The premium estimates are based on a male driver, no violations or accidents, New York state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with paperless filing, continuous coverage, good student, anti-theft, passive restraint, and vehicle safety discounts applied. With discounts applied, the average savings per year on auto insurance for teenage females is 32% or $486.

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Who has the cheapest insurance quotes for teen girls?

You have many ways to get cheap auto insurance quotes in New York, but the most frequently used methods are using an exclusive insurance agent like Allstate or State Farm, an independent agent, or direct from companies such as Progressive or Geico.

They all have the same basic principle, but auto insurance shoppers should know the differences in how they price policies.

Independent insurance agencies write business for many companies and can get policy pricing from all of them. These types of agencies are appointed with more than one company and can compare multiple rates, which can give you improved chances of finding a lower rate. If your agent finds a cheaper company, they simply move your policy to a different company which makes it easier to save money.

An exclusive agent is only able to write business for a single insurance company, for example an Allstate or State Farm agent. They are unable to compare other company’s rates, so you will not be able to compare other companys’ rates.

Buying direct means you bypass an exlusive or independent agent and buy from a direct company like Esurance. Shopping direct is good for people who have little risk and have some degree of understanding of what auto insurance covers.

When shopping for auto insurance, which way works best for finding cheap car insurance for teenage females in New York? The majority of people assume that buying from a direct company saves the most money since there is no need to pay agent commissions, but in reality, that is not the case. It would also be easy to say an independent agency can save the most money due to more options, but again, that’s not accurate. In a lot of cases, exclusive agents may have prices that cannot be beaten by either independent or direct companies.

Since auto insurance prices vary so much, the one way to ensure the lowest rates is to obtain price quotes and compare them. Take some time and get price quotes all three ways to have a good selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.