White Plains Auto Insurance For Less Than You're Paying Now

Searching for the lowest cost White Plains auto insurance online may be challenging for beginners to shopping for insurance online. With dozens of online companies available, how can you even start to compare every one to find the cheapest rates?

It's important to compare rates yearly since insurance rates are constantly changing. If you had the lowest rates two years ago you may be paying too much now. So ignore everything you know about auto insurance because it's time to teach you the tricks you need to know to properly buy coverages and cut your premium.

Finding affordable auto insurance coverage in White Plains is not that difficult. If you are insured now or are looking for a new policy, you can use these techniques to find better prices while maximizing coverage. Maryland vehicle owners just need to know the tricks to compare company rates online.

Where Can I Get Cheap White Plains Auto Insurance?

Shopping for lower auto insurance rates can be a lot of work if you don't know the fastest way to get free quotes. You could spend your day talking to local insurance agents in White Plains, or you could use the web to get the quickest rates.

All the larger companies belong to an insurance system that allows shoppers to enter their policy data once, and at least one company then gives them pricing based on the submitted data. This prevents consumers from doing form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of system is you don't know exactly which companies to receive prices from. If you wish to select specific providers to receive pricing from, we have a page of companies who write auto insurance in Maryland. View list of Maryland insurance companies.

Whichever method you choose, make sure you use apples-to-apples deductibles and coverage limits on every quote. If each company quotes different values for each quote then you won't be able to make a fair comparison in White Plains.

You have some control over your rates

It's important that you understand the factors that come into play when calculating auto insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with lower auto insurance prices.

Older drivers save more - Teenage drivers in Maryland tend to be more careless when driving so auto insurance rates are higher. Having to add a youthful driver to your auto insurance policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Where do you drive? - The more you drive in a year's time the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based on how the vehicle is used. Cars left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance policy properly reflects the correct driver usage.
Car features impact rates - Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
Multi-policy discounts can save money - The majority of insurance companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it's still a good idea to shop around to ensure the best deal.
An active claims history can cost you - Car insurance companies in Maryland generally give discounts to people who are claim-free. If you file claims often, you can expect higher rates. Auto insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but there could be available discounts to help offset the cost. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be specially asked for before they will apply. If you don't get every credit you deserve, you're just leaving money on the table.

College Student - Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
New Vehicle Savings - Adding a new car to your policy can save up to 30% since new cars are generally safer.
Service Members Pay Less - Being deployed with a military unit can result in better rates.
Bundle and Save - When you have multiple policies with one company you could get a discount of up to 20% off your total premium.
Government Employees - Simply working for the federal government can save as much as 8% with select insurance companies.
Life Insurance Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.
Sign Early and Save - Some companies give discounts for signing up before your current policy expires. It can save you around 10%.
Good Student Discount - Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
Accident Waiver - Some insurance companies allow you one accident without raising rates as long as you don't have any claims prior to the accident.

Consumers should know that some credits don't apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, companies don't profit that way. But all discounts will help reduce the amount you have to pay.

For a list of companies with the best auto insurance discounts in Maryland, click here.

How do I know if I need professional advice?

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different.

For example, these questions can help discover whether or not you may require specific advice.

Do I pay less if my vehicle is kept in my garage?
Who is covered when they drive my vehicle?
Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?
Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?
What are the best liability limits?

If you can't answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and you can get the answers you need.

Much more information about auto insurance in Maryland can be found on the Maryland Insurance Administration website found here. Maryland drivers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and view a list of available companies.

Other useful links include this Car Insurance FAQ and this page of insurance agents in White Plains.

And the best car insurance company is...

When buying insurance coverage, do not reduce needed coverages to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best price.

Drivers who switch companies do it for a variety of reasons including not issuing a premium refund, delays in paying claims, unfair underwriting practices and policy non-renewal. Regardless of your reason, finding a new auto insurance company is not as hard as you think.

Throughout this article, we presented a lot of ways to lower your auto insurance rates. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the biggest savings come from some of the smallest insurance companies.