Is Your Schenectady, NY Auto Insurance Breaking the Bank?

Finding better rates for Schenectady auto insurance is always hard for people who are new to comparison shopping online. People have so many companies to choose from that it can quickly become a challenge to locate the lowest price in Schenectady.

Free Schenectady Auto Insurance Quotes

Finding cheaper auto insurance prices is a fairly straight forward process. The only thing you need to do is spend a little time comparing rates online with multiple companies. This can be done in several different ways.

  1. The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This type of form prevents you from having to do separate quotes for each company you want a rate for. One quote request will return price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to get comparison quotes requires a trip to the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll pretend you want rates from Auto-Owners, Progressive and Farmers. You would have to visit each site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in Schenectady, click here.
  3. The hardest way of getting rate comparisons is to drive around to local Schenectady insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you want the personal advice only provided by licensed Schenectady agents. You can, however, compare the best prices online and get advice from an agent in your area and we’ll touch on that later.

Which method you use is up to you, but make sure you use exactly the same information on every quote you get. If each company quotes different values for each quote you will not be able to decipher which rate is best in Schenectady.

Are you getting all your discounts?

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Some trigger automatically when you purchase, but less common discounts must be inquired about before they will apply. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Save over 55 – If you qualify as a senior citizen, you may receive reduced rates.
  • Driver Safety – Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.

It’s important to note that many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. But any discount will help reduce the cost of coverage.

To choose insurers who offer auto insurance discounts in New York, click this link.

Car insurance in Schenectady

Online resources for education

More information is located on the New York Department of Financial Services website. Click here for link. New York consumers can read state legal mandates and laws, view agent and company licensing information, find disaster information, and view a list of available companies.