Proven Techniques to Save on Syracuse Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say there are many Syracuse consumers feeling the pinch from expensive auto insurance. Consumers have many to pick from, and even though it's nice to have a choice, it can be more difficult to compare rates.

Comprehensive Syracuse Auto Insurance Comparison Quotes

Getting better auto insurance pricing can be relatively painless. You just have to take a few minutes comparing rate quotes online from several insurance companies. This can be done in a couple of different ways.

The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for repetitive form entry for each company you want a rate for. Completing one form gets you price quotes direct from many companies.

A slightly less efficient method to get quotes online requires visiting the website of each company and request a quote. For examples sake, let's assume you want to compare rates from , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in Syracuse, click here.

The most time-consuming method to get comparison rates is driving around to insurance agents' offices. Buying insurance online makes this process obsolete unless you prefer the professional advice that only a license agent can provide. It is possible to compare the best prices online and still use a local agent. We'll cover that shortly.

Whichever method you choose, compare identical quote information with every price quote. If you use mixed coverages it will be impossible to find the best deal in Syracuse.

You have some control over your rates

It's important that you understand the factors that help determine the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that will entitle you to much lower annual insurance costs.

The following are some of the factors auto insurance companies consider when setting prices.

Occupation reflects on rates - Did you know your occupation can influence how much you pay for auto insurance? Careers like doctors, social workers and financial analysts tend to have higher average rates attributed to high stress and long work days. Conversely, professions such as actors, engineers and performers receive lower rates.
Add-on coverages can add up - There are a ton of extra coverages that can waste your money when buying auto insurance. Coverages for roadside assistance, accident forgiveness and term life insurance are some examples. These coverages may sound good at first, but if they're wasting money eliminate them to save money.
Having a spouse can save you money - Being married can get you a discount on auto insurance. Having a significant other means you're more mature and it's statistically proven that being married results in fewer claims.
The more you drive the more you pay - Driving more miles in a year the higher your rate. Most insurance companies charge to insure your cars based on their usage. Cars used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your auto insurance coverage shows the proper vehicle usage, because it can save money.
Where you live - Choosing to live in small towns and rural areas can save you money when talking about auto insurance. Urban drivers have to deal with traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.
Women pay lower rates - Statistics demonstrate that women are safer drivers than men. However, this does not mean men are worse drivers. Both sexes tend to get into accidents at about the same rate, but the men have costlier accidents. Men also statistically get more serious tickets like DUI and reckless driving. Young males are several times more likely to be in an accident and thus pay the highest rates.
Cautious drivers pay less - A bad driving record has a lot to do with how much you pay for insurance. Careful drivers receive lower rates compared to drivers with tickets. Even a single speeding ticket can boost insurance rates forty percent or more. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.

Save big with these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be manually applied prior to getting the savings. If you're not getting every credit possible, you're just leaving money on the table.

No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
Low Mileage Discounts - Fewer annual miles can qualify you for a substantially lower rate.
No Charge for an Accident - Certain companies permit an accident without raising rates if your claims history is clear for a set time period.
Life Insurance Discount - Some companies give a discount if you purchase life insurance.
Multiple Policy Discount - When you have multiple policies with the same company you may save at least 10% off all policies.

Keep in mind that some credits don't apply the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, it just doesn't work that way. But any discount will bring down your overall premium however.

For a list of insurance companies who offer auto insurance discounts in Utah, click here.

More information is available on the website for the Utah Insurance Department through this link. Visitors are able to read industry bulletins, discover disciplinary actions, get help finding coverage, and file complaints about an insurance agent or broker.

Other useful links include this online resource for auto insurance quotes in Utah and this list of insurance agents in Syracuse.

In the end, you save

Affordable auto insurance can be sourced both online and also from your neighborhood Syracuse agents, so you should compare both to have the best rate selection. Some insurance providers may not provide online quoting and these smaller companies work with independent agents.

As you shop your coverage around, make sure you don't reduce needed coverages to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.