Finding cheaper Spring Valley car insurance could be difficult for drivers who have little experience shopping for insurance online. When there are so many companies in the marketplace, it can easily turn into a lot of work to find the lowest price.
Consumers need to quote other rates at least once a year because car insurance prices trend upward over time. Despite the fact that you may have had the best rates a few years ago other companies may now be cheaper. There are a lot of ways to save on car insurance on the internet, but in this article, you’re going to get some great ways to find cheap car insurance.
Shopping for lower car insurance rates can be a lot of work if you don’t know the easiest way. You can spend your afternoon discussing policy coverages with agents in Spring Valley, or you can stay home and use online quotes to get rates in a matter of minutes.
Most car insurance companies enroll in a system that allows shoppers to enter their policy data once, and every company can provide price quotes for coverage. This saves time by eliminating repetitive form submissions for each company.
To find out what other companies charge click to open in new window.
One minor caviat to using this type of system is that consumers can’t choose which companies you will receive quotes from. So if you prefer to pick individual companies to compare prices, we have a listing of low cost car insurance companies in New York. View list of New York insurance companies.
Take whichever approach you prefer, but do your best to enter identical quote data for each quote you get. If the quotes have different liability limits it will be nearly impossible to get a fair rate comparison in Spring Valley.
But the ad said I’d save 15% in 15 minutes!
New York drivers can’t escape the ads that claim the cheapest premium rates from companies such as State Farm, GEICO and Progressive. They all seem to make an identical promise that drivers will save a bundle if you just switch your policy.
It sounds good, but how can they all offer you a better deal?
Different companies have strict underwriting profiles for the type of driver that will not have excessive claims. One example of this type of driver may be between the ages of 30 and 50, has never had a claim, and drives a vehicle with a low ISO rating. Anybody who fits that profile will qualify for the lowest auto insurance rates in Spring Valley as well as save quite a bit of money when switching.
Potential customers who cannot meet the ideal profile will probably have to pay a higher premium which leads to the customer not buying. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way companies can make those statements. Because of this risk profiling, you need to quotes from several different companies. Because you never know the company that will give you lower rates than your current company.
Car insurance companies offer lots of discounts
The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that could help you make your next renewal payment. Some discounts will apply when you complete an application, but some discounts are required to be specifically requested before they will apply. If you aren’t receiving every discount available, you are throwing money away.
- Save with a New Car – Buying a new car instead of a used car can get you a discount since new vehicles are generally safer.
- Discounts for Responsible Drivers – Safe drivers may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Sign Early and Save – Some larger companies reward drivers for switching companies early. You may see this discount when you get .
- Fewer Miles Equal More Savings – Driving fewer miles can qualify you for cheaper premium rates.
- Bundle and Save – If you insure your home and vehicles with the same insurance company you may save 10% to 20% off each policy.
- Mature Driver Discount – Drivers that qualify as senior citizens can get a discount up to 10%.
As a sidenote, most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
To see a list of companies who offer car insurance discounts in New York, click here.
Insurance agents can give valuable advice
Many drivers prefer to sit down and talk to an agent and that can be a great decision Good insurance agents can answer important questions and will help you if you have claims. The biggest benefit of comparing rate quotes online is you can get cheap car insurance quotes and still choose a local agent.
After completing this form (opens in new window), your insurance coverage information is sent to participating agents in Spring Valley who will give you quotes and help you find cheaper coverage. You won’t even need to search for an agent because prices are sent straight to your inbox. In the event you want to compare rates from one company in particular, you would need to search and find their rate quote page and fill out the quote form the provide.
Choosing an insurer is decision based upon more than just the price. Below are some questions you should ask.
- How long has the business existed?
- Is auto insurance their primary focus?
- Does the company allow you to choose your own collision repair facility?
- Are they actively involved in the community?
- Which insurance companies are they affiliated with?
If you prefer to buy car insurance from a reliable insurance agent, there are two different types of agents and how they operate. Spring Valley agents are categorized either independent or captive. Either one can do a good job, but it is important to understand the differences because it can impact the kind of agent you use.
Captive Insurance Agencies
These type of agents normally can only provide a single company’s rates and examples are Farmers Insurance, Allstate, or State Farm. They generally cannot give you multiple price quotes so you might not find the best rates. These agents are very knowledgeable on their company’s products which can be an advantage. Consumers sometimes buy from captive agents primarily because of the brand legacy rather than low price.
Below are captive agencies in Spring Valley who can help you get price quotes.
- Allstate Insurance Co – 166 Route 59 – Spring Valley, NY 10977 – (845) 425-4600
- State Farm Insurance – 4 Spring Valley Market Pl – Spring Valley, NY 10977 – (845) 425-5200
Independent Car Insurance Agencies
These agents are not limited to a single company so they can quote policies with many different companies and find the cheapest rate. If premiums increase, your agent can switch companies which is easy for the insured. If you need cheaper car insurance rates, you should always include rate quotes from several independent agencies for the best price selection. A lot of them also have access to companies you’ve never heard of which can save you money.
The following are independent insurance agencies in Spring Valley that can give you comparison quotes.
- Binder Agency – 24 S Main St – Spring Valley, NY 10977 – (845) 356-9000
- Allcentury Insurance Inc – 311 N Main St – Spring Valley, NY 10977 – (845) 426-0312
- Adlers Insurance – 298 Route 59 – Spring Valley, NY 10977 – (845) 425-2400
To choose from more insurance agents in Spring Valley, link to this complete selection of Spring Valley New York insurance agents.
Which is the best car insurance?
When buying the best car insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique.
Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.
- How high should my uninsured/underinsured coverage be in New York?
- Are split liability limits better than a combined single limit?
- Do I need added coverage for expensive stereo equipment?
- Is my teen driver covered when they drive my company car?
- Do I need to file an SR-22 for a DUI in New York?
- What are the financial responsibility laws in New York?
- What is high-risk coverage and where do I buy it?
- Am I covered when driving a rental car?
If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.
More detailed New York car insurance information is located at the New York Department of Financial Services website. New York consumers can file complaints about a company, report car insurance fraud, find out which companies have the most complaints, and find a variety of consumer forms.
Cheaper car insurance is a realistic goal
People switch companies for many reasons like lack of trust in their agent, high rates after DUI convictions, delays in paying claims and high prices. Regardless of your reason for switching companies, finding a new car insurance company is actually quite simple.
As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There have been many cases where an accident victim reduced collision coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to buy the best coverage you can find at the lowest possible cost while still protecting your assets.
Low-cost car insurance can be bought online in addition to many Spring Valley insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide internet price quotes and most of the time these small, regional companies provide coverage only through independent agents.