Comparing Cheap Yonkers Auto Insurance

Are you tired of scraping the payment together each month for car insurance? Your situation is no different than the majority of other car owners in New York.

There is such a variety of to pick from, and although it's nice to have multiple companies, so many choices can make it hard to compare rates.

Save big with these discounts

Car insurance companies don't always list all available discounts very clearly, so the following is a list of both the well known as well as the least known auto insurance savings.

  • Clubs and Organizations - Being a member of a qualifying organization could qualify you for a break when buying auto insurance.
  • No Claims - Claim-free drivers pay less when compared with drivers who are more careless.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • Homeowners Pay Less - Owning a home in Yonkers may trigger a auto insurance policy discount because of the fact that having a home demonstrates responsibility.

It's important to note that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you're out of luck.

Auto insurance ads bend the truth

Allstate, GEICO and Progressive regularly use ads on TV and radio. All the companies say the same thing that you can save if you move your policy. How does each company claim to save you money?

All companies can use profiling for the right customer that earns them a profit. A good example of a profitable customer might be over the age of 50, is a homeowner, and has great credit. A customer getting a price quote who fits that profile will get the preferred rates and most likely will save when switching.

Potential insureds who fall outside these standards must pay more money which usually ends up with the customer not buying. The ads state "customers that switch" not "people who quote" save that kind of money. That's why insurance companies can advertise the savings. This illustrates why you should get as many comparisons as possible. It's impossible to know the company that will fit your personal profile best.

Learn more today

Additional detailed information can be read at the New York Department of Financial Services website. Visitors are able to find out which companies have the most complaints, read industry bulletins, view a list of available companies, and file complaints about an insurance agent or broker.

Also read more on this link for New York auto insurance quotes and this link which helps you find a Yonkers agent.

Shop smart and save

Lower-priced auto insurance is possible both online in addition to many Yonkers insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, make sure you don't buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.