Cheapest Auto Insurance Exclusively for New York New York Residents

Tired of scraping the payment together to buy car insurance? You’re in the same situation as the majority of other car owners in New York. Drivers have multiple auto insurance companies to choose from, and although it’s a good thing to have multiple companies, it can be more difficult to find a good deal.

You should make it a habit to price shop coverage quite often since rates tend to go up over time. Even if you got the best deal a year ago you can probably find a better price now. There is a lot of bad information regarding auto insurance online, so I’m going to show you some good information on how to save money.

Pricing more affordable protection in New York is simple if you know the tricks. If you are insured now or are looking for a new policy, you can use these tips to find better prices and still get good coverage. New York drivers just need to learn the proper methods to shop for auto insurance over the internet.

New York Auto Insurance Quote Comparison

Most companies like State Farm and Allstate provide pricing on their websites. This process is pretty easy as you simply type in your coverage information as detailed in the form. When complete, their system obtains reports for credit and driving violations and returns pricing information based on these factors. This simplifies rate comparisons, but the time it takes to visit many different websites and type in the same information is repetitive and time-consuming. But it’s very important to perform this step in order to find the best price possible.

There is a better way!

The smarter way to lower your rates requires only one form that analyzes rates from a bunch of companies at once. It’s a real time-saver, eliminates repetitive work, and makes quoting online much easier to do. After sending your information, it is rated and you can select any or none of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process takes 15 minutes at the most and may result in a nice savings.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you type in the coverage information exactly as shown on your declarations page. Doing this assures you will get a fair comparison using the same coverage and limits.

How much can you save with discounts?

Insuring your fleet can be pricey, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but a few must be specially asked for before you get the savings. If they aren’t giving you every credit available, you are throwing money away.

  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Defensive Driver – Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Senior Discount – If you’re over the age of 55, you may receive reduced rates.
  • Good Student – Performing well in school can save 20 to 25%. The discount lasts up to age 25.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.

It’s important to understand that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, it just doesn’t work that way. But any discount will bring down your premiums.

For a list of companies who offer auto insurance discounts in New York, click here to view.

Additional auto insurance information can be found on the website for the New York Department of Financial Services located here. Consumers can file complaints about an insurance agent or broker, get help finding coverage, read consumer alerts, and read state legal mandates and laws.

In the end, you save

Low-cost auto insurance can be purchased from both online companies and with local New York insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. There are many occasions where an insured cut collision coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

We covered some good ideas how you can shop for auto insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best prices are with a small mutual company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.