10 Simple Tricks to Cut Car Insurance Costs in Evans Mills

No one looks forward to paying for car insurance, particularly when they are paying too much.

Popular companies such as State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and it is challenging if not impossible to sift through the bull and take the time to shop coverage around.

It's important to compare rates occasionally since rates are constantly changing. Just because you found the best deal two years ago you will most likely find a better rate today. So forget anything you know (or think you know) about car insurance because we're going to show you the only way to properly buy coverages and cut your premium.

If you are paying for car insurance now, you should be able to save some money using these techniques. Choosing the best insurance company for you in Evans Mills is quite easy. Nevertheless, New York consumers do need to know the methods companies use to sell online and take advantage of how the system works.

Don't pay full price with these ten discounts

Companies offering auto insurance do not list every available discount in a way that's easy to find, so here is a list both the well known and the more hidden ways to save on car insurance.

Discount for Swiching Early - A few companies offer discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
Clubs and Organizations - Being a member of a civic or occupational organization could trigger savings on your policy.
Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
Auto/Life Discount - Larger companies have better rates if you take out auto and life insurance together.
Save with a New Car - Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
Seat Belts Save more than Lives - Requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
No Accidents - Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
Low Mileage - Low mileage vehicles can qualify you for better rates on cars that stay parked.
Service Members Pay Less - Having a family member in the military could be rewarded with lower premiums.

Consumers should know that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. Just because you may think all those discounts means the company will pay you, companies don't profit that way.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different so this has to be addressed. Here are some questions about coverages that might point out whether or not you could use an agent's help.

Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Am I getting all the discounts available?
Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?
Why am I be forced to buy a membership to get insurance from some companies?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

The car insurance bait and switch

Companies like State Farm and Allstate consistently run ads in print and on television. All the ads make the same claim of big savings if you change to their company. How can each company claim to save you money?

All the different companies have a certain "appetite" for the driver that earns them a profit. An example of a preferred risk might be over the age of 40, owns a home, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and therefore will save when they switch companies.

Drivers who don't measure up to the requirements will be charged a higher premium which leads to the customer not buying. The ad wording is "people who switch" not "everyone that quotes" save that much. That is how insurance companies can confidently state the savings. That is why you should get as many quotes as possible. It's just too difficult to predict which company will give you the biggest savings.

For more New York car insurance information

More tips and info about car insurance is available at the New York Department of Financial Services website. Visitors are able to file complaints about a company, read consumer alerts, find out which companies have the most complaints, and view a list of available companies.

Shop smart and save

We just covered many ideas to reduce car insurance prices online. It's most important to understand that the more you quote, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with an unexpected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .

When buying insurance coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cost effective car insurance can be sourced both online and also from your neighborhood Evans Mills agents, and you need to comparison shop both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.