Finding Cheaper Cortlandt Manor Auto Insurance

Nobody I know likes paying for auto insurance, in particular when the price is too high. Lots of contend to insure your vehicles, and it can be difficult to compare rates and uncover the absolute lowest rate

It's important to compare prices occasionally because prices are constantly changing. If you had the best deal a few years ago the chances are good that you can find a lower rate today. So forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

If you are insured now or need a new policy, you can follow these tips to find better prices and possibly find even better coverage. Choosing the best insurance company for you in Cortlandt Manor is easy if you know what you're doing. New York vehicle owners just need to know the most efficient way to find the lowest price online.

Don't pay full price with these discounts

Companies don't always advertise all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known ways to save on auto insurance. If they aren't giving you every credit you qualify for, you're paying more than you need to.

Accident Forgiveness - A few companies will forgive one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Bundle and Save - When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
No Accidents - Good drivers with no accidents can earn big discounts as compared to bad drivers.
Drive Less and Save - Keeping the miles down can qualify you for better rates on cars that stay parked.
More Vehicles More Savings - Having multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
Auto/Life Discount - Select insurance companies reward you with lower rates if you buy life insurance from them.
Sign Online - Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
Save over 55 - Mature drivers can possibly qualify for better auto insurance rates.
Defensive Driving Course - Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Good Student - A discount for being a good student can save 20 to 25%. The discount lasts up to age 25.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies wouldn't make money that way.

To see a list of companies with the best auto insurance discounts in Cortlandt Manor, click this link.

Finding Auto Insurance in Cortlandt Manor, NY

There are multiple methods to shop for auto insurance, but there is one way that is easier and takes less work. You can waste a lot of time driving to insurance companies in Cortlandt Manor, or you could save time and use online quoting to get pricing more quickly.

Many insurance companies enroll in a system that enables customers to enter their coverage request one time, and each company then gives them pricing based on that information. This system prevents you from having to do repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only downside to pricing coverage this way is you can't choose which carriers you want pricing from. If you would rather choose individual companies to compare prices, we have a page of auto insurance companies in New York. View list of New York insurance companies.

It's up to you how you get prices quotes, just make absolute certain that you use the exact same coverages with every price quote. If the quotes have different limits and deductibles on each one it's not possible to find the best deal in Cortlandt Manor.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that may reward you with better auto insurance rates.

The list below includes some of the factors auto insurance companies consider when setting rates.

Men fork out a little more - Statistics show that men are more aggressive behind the wheel. However, don't assume that men are worse drivers. Men and women cause accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations such as DWI and reckless driving.
Discounts for multiple policies - The majority of auto insurance companies will give a discount to customers who buy several policies from them. It's known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to compare rates to ensure the best deal.
Rates may be higher depending on your occupation - Jobs such as doctors, executives and accountants tend to have higher rates than average because of stressful work requirements and long work hours. On the flip side, jobs such as scientists, athletes and the unemployed receive lower rates.
Drive a safer car and pay less - Safer cars tend to have better insurance rates. These vehicles reduce injuries and lower injury rates means less money paid by your insurance company and lower rates for you.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might point out whether or not you might need an agent's assistance.

Does my policy cover me when driving someone else's vehicle?
Am I covered when driving in Canada or Mexico?
Are there companies who specialize in insuring high-risk drivers?
Is my nanny covered when driving my vehicle?
Am I covered if I wreck a rental car?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?

If it's difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

The auto insurance bait and switch

New York consumers can't get away from ads for cheaper car insurance by State Farm, GEICO and Progressive. They all seem to make the same claim that you'll save big if you move to their company.

How do they all make almost identical claims?

Different companies have a certain "appetite" for the driver that is profitable for them. An example of a desirable insured could possibly be between the ages of 30 and 50, owns a home, and has a short commute. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will cut their rates substantially.

Potential customers who don't measure up to the "perfect" profile will have to pay a more expensive rate which leads to the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that much. That is how companies can make the claims of big savings. Because of the profiling, drivers must get a wide range of price quotes. It's impossible to know which company will fit your personal profile best.

And the best car insurance company is...

Budget-conscious auto insurance is definitely available online and also from your neighborhood Cortlandt Manor agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. In many cases, an insured cut liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.

More detailed New York auto insurance information is available at the New York Department of Financial Services website. New York consumers can learn about insurance regulations, read consumer alerts, read industry bulletins, and find disaster information.