Have you had enough of scraping the payment together each month for car insurance? You’re in the same situation as many other drivers in New York. Many insurers vie for your hard-earned dollar, so it can be very hard to choose a company to discover the definitive cheapest price
If you have insurance now or are just looking to switch companies, you can use these techniques to find better prices while maintaining coverages. Choosing the best insurance company for you in Yonkers is easy if you know what you’re doing. New York drivers just need to learn how to buy auto insurance on the web.
Finding a better price on auto insurance is a fairly straight forward process. You just have to invest a little time comparing price quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
It doesn’t matter which method you choose, just make sure you use apples-to-apples coverage limits on every quote you get. If the quotes have different deductibles it’s impossible to truly determine the lowest rate in Yonkers.
Consumers in New York can’t ignore all the ads for cheaper car insurance by companies like State Farm, Allstate and GEICO. All the companies make an identical promise about savings if you switch to them.
How do they all claim to save you money?
All the different companies are able to cherry pick for the type of customer that is profitable for them. An example of a desirable insured could possibly be over the age of 40, has no prior claims, and drives newer vehicles. A customer who matches those parameters will get very good rates and is almost guaranteed to save when switching.
Drivers who don’t measure up to these standards will be charged a higher premium and ends up with the customer not buying. The ads state “customers that switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully state the savings.
That is why you absolutely need to get quotes from several different companies. You cannot predict which insurance companies will give you the biggest savings.
Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Most are applied at the time of purchase, but some must be inquired about prior to receiving the credit. If they aren’t giving you every credit you qualify for, you are throwing money away.
Keep in mind that most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will cut the cost of coverage.
Some consumers would prefer to visit with an insurance agent and that is just fine! Professional agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing rates online is you may find the best rates but also keep your business local. And providing support for small agencies is important particularly in Yonkers.
After filling out this simple form, your coverage information gets sent to local insurance agents in Yonkers who will battle to get your business. You never need to leave your computer since price quotes are sent directly to your email. It doesn’t get any easier!
When looking for a good Yonkers insurance agent, you need to know there are two types of insurance agents that you can select. Agencies in Yonkers are categorized either independent or captive. While both can properly insure your vehicles, but it’s worth mentioning how they differ because it can influence the type of agent you choose
These agents do not work for one specific company but rather can write business with any number of different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and that require little work on your part. When comparing rates, you should always include price quotes from at a minimum one independent agency to ensure the widest selection of prices.
Listed below is a short list of independent agents in Yonkers that may be able to provide comparison quotes.
Decesare Agency – 914 Mclean Ave # 2 – Yonkers, NY 10704 – (914) 237-2700
Rickles Agency – 570 Yonkers Ave # 2 – Yonkers, NY 10704 – (914) 968-3104
Decap Insurance Of Yonkers – 800 Central Park Ave – Yonkers, NY 10704 – (914) 968-7101
Gene A Lanza Agency Inc – 761 Yonkers Ave # A – Yonkers, NY 10704 – (914) 476-2287
Great American Insurance Co – 68 Remsen Cir – Yonkers, NY 10710 – (914) 793-6070
Captive agents have only one company to place business with like Liberty Mutual, State Farm, Allstate and AAA. Captives cannot compare other company’s rates so keep that in mind. These agents are usually quite knowledgeable on their products and sales techniques which can be an advantage.
Shown below are Yonkers captive agencies that can give you rate quotes.
State Farm Insurance – 35 E Grassy Sprain Rd # 100 – Yonkers, NY 10710 – (914) 961-5774
American Family Travel – 676 Saw Mill River Rd – Yonkers, NY 10710 – (914) 375-1700
Allstate Insurance Co – 635 Mclean Ave – Yonkers, NY 10705 – (914) 423-8200
For a complete listing of captive agencies in Yonkers, go to this page.
Choosing an insurance agency needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:
After getting positive feedback to any questions you have and locked in a price quote, you may have just found an auto insurance agent that is a good match to adequately provide auto insurance.
Additional auto insurance information can be found on the website for the New York Department of Financial Services located here. Visitors are able to find out which companies have the most complaints, file complaints about a company, and find out industry alerts.
As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where someone dropped liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage for the lowest price, not the least amount of coverage.
Affordable auto insurance is definitely available online as well as from independent agents in Yonkers, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.