Tightwads Tips for Saving on Rouses Point Auto Insurance

Having to pay for overpriced auto insurance can empty your savings account and force you to prioritize other expenses. Comparing price quotes is a great way to slash your bill and have more diposable income.

Drivers have multiple to buy insurance from, and though it is a good thing to be able to choose, it can be more challenging to compare rates.

It's important to take a look at other company's rates quite often because insurance rates are constantly changing. If you had the best price last year you can probably find a better price now. Forget all the misinformation about auto insurance because we're going to demonstrate the fastest and easiest way to buy cheaper auto insurance.

This article will help you learn how to effectively get price quotes and some tips to save money. If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Nevertheless, New York drivers do need to know the way companies market on the web and apply this information to your search.

Rouses Point Rates are Influenced by These Factors

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for auto insurance. Knowing what determines base rates enables informed choices that may reward you with lower auto insurance prices.

The list below includes a few of the "ingredients" auto insurance companies consider when setting rates.

Being married is a good thing - Having a spouse actually saves money on auto insurance. It means you're more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
Men fork out a little more - Statistics have proven that women are safer drivers than men. However, don't assume that men are worse drivers. Women and men cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
Rates may be higher depending on your occupation - Jobs such as lawyers, social workers and financial analysts tend to have higher average rates in part from job stress and lengthy work days. Conversely, jobs such as pilots, engineers and the unemployed receive lower rates.
Little extras can really add up - There are a lot of add-on coverages that you can buy on your auto insurance policy. Coverages for personal injury protection, towing coverage and term life insurance are some examples. They may seem good when talking to your agent, but if they're wasting money eliminate them to save money.
Safer occupants lowers premiums - Cars with high safety ratings get lower rates. These vehicles reduce injuries and lower injury rates translates into savings for insurance companies and thus lower rates.

Don't pay full price with these discounts

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but less common discounts must be asked for prior to getting the savings.

Sign Online - Certain companies will discount your bill up to fifty bucks simply for signing over the internet.
Save over 55 - If you're over the age of 55, you can possibly qualify for better auto insurance rates.
No Accidents - Drivers who don't have accidents can save substantially as compared to accident-prone drivers.
Defensive Driving Course - Completing a course in driver safety could cut 5% off your bill if your company offers it.
Drive Less and Save - Keeping the miles down can earn a substantially lower rate.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
Organization Discounts - Participating in a qualifying organization may earn a discount on auto insurance.
Discount for New Cars - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.

Consumers should know that some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will bring down your premiums.

To choose companies with the best auto insurance discounts in New York, click here.

The auto insurance bait and switch

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to have a common claim of big savings if you move to their company. How does each company make almost identical claims? This is how they do it.

All companies have a preferred profile for the driver that makes them money. For example, a desirable insured could possibly be between the ages of 30 and 50, insures multiple vehicles, and has great credit. A driver that hits that "sweet spot" receives the best rates and therefore will save when switching.

Potential customers who don't measure up to these standards will have to pay a more expensive rate and this can result in the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. This is how insurance companies can confidently advertise the savings.

Because of the profiling, you should get quotes from several different companies. It is impossible to predict which insurance companies will give you the biggest savings.

Your personal situation dictates your coverage

When buying the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Every insured's situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you might need an agent's assistance.

Does medical payments coverage apply to all occupants?
Should I put collision coverage on all my vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Does my personal policy cover me when driving my company car?
Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in Rouses Point?
Is my dog or cat covered if injured in an accident?
Are there companies who specialize in insuring high-risk drivers?

If you can't answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

More sites with auto insurance information

Additional auto insurance information can be found on the website for the New York Department of Financial Services. Click here for link. New York consumers can get help finding coverage, learn about insurance regulations, read industry bulletins, and discover disciplinary actions.

Final considerations

Cost effective auto insurance is definitely available online and also from your neighborhood Rouses Point agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

As you prepare to switch companies, never buy poor coverage just to save money. In many cases, drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price.