9 Ways You Can Buy Car Insurance for Less in New Rochelle New York

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say you're not alone.

Because you have many options when it comes to car insurance, it's nearly impossible to choose the cheapest car insurance company.

It's important to compare prices at least once a year since rates are constantly changing. Just because you found the best price on your last policy there may be better deals available now. Block out anything you think you know about car insurance because you're about to learn how to use online quotes to properly buy coverages while reducing your premium.

Finding the best rates in New Rochelle is quite easy. Just about every driver who has to buy car insurance should be able to lower their premiums. Nevertheless, New York consumers do need to know how big insurance companies sell online and apply this information to your search.

Are you getting all your discounts?

Companies offering auto insurance don't always list all their discounts very well, so we took the time to find both the well known and also the lesser-known savings tricks you should be using.

  • Sign Online - A handful of insurance companies may give you up to $50 simply for signing online.
  • Drive Less and Save - Fewer annual miles can earn discounted rates on garaged vehicles.
  • No Charge for an Accident - Some insurance companies allow you one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Life Insurance - Larger companies have a break if you buy auto and life insurance together.
  • Homeowners Discount - Owning a house in New Rochelle can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
  • No Accidents - Drivers with accident-free driving histories can save substantially as compared to frequent claim filers.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.

It's important to understand that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, it doesn't quite work that way.

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

Quick New Rochelle Car Insurance Quotes

Most major insurance companies quote coverage prices on the web. Getting quotes is quite simple as you just type in the coverage amounts you desire as detailed in the form. Once entered, the system will obtain credit information and your driving record and returns a price quote. This helps simplify price comparisons, but the process of having to visit different websites and enter the same data into a form gets old quite quickly. But it's very important to perform this step if you are searching for the best price on car insurance.

There is an easier way!

A more efficient way to find better car insurance pricing is to use a quote form that gets price quotes from a lot of companies. The form is fast, eliminates form submissions, and makes online price comparison much more enjoyable. After sending your information, it is quoted and you can select any or none of the quotes that you receive. If you find a better price you can click and sign and buy the new coverage. It takes 15 minutes at the most and can result in significant savings.

To find out if lower rates are available, click here to open in new window and enter your information. If you currently have coverage, we recommend you complete the form with the insurance coverages exactly as they are listed on your policy. This helps ensure you're receiving a price comparison based on identical coverages.

Shop smart and save

Low-cost car insurance can be sourced both online and also from your neighborhood New Rochelle agents, so compare prices from both to have the best selection. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

We just covered some good ideas how you can get a better price on car insurance. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may be surprised to find that the best prices are with a small mutual company. These companies can often provide lower rates in certain areas than the large multi-state companies such as .