Cheaper Rochester Auto Insurance Rates in Five Minutes

Cheaper Rochester Auto Insurance Rates in Five Minutes

People not familiar with shopping for insurance online will discover purchasing cheap Rochester auto insurance is harder than they anticipated.

You should make it a habit to check auto insurance prices every six months because insurance rates are usually higher with each renewal. Just because you had the best rates a few years ago a different company probably has better rates today. You can find a lot of wrong information about auto insurance on the web, but with this article, you’re going to get some guaranteed methods to reduce your auto insurance bill.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that help determine your auto insurance rates. Understanding what determines base rates enables informed choices that will entitle you to better auto insurance rates.

  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Men and women have accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.
  • A clean driving record saves money – Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Only having one ticket can bump up the cost by as much as thirty percent. Drivers with severe tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Where do you drive? – The more you drive each year the higher your rates will be. Almost all companies rate vehicles based upon how you use the vehicle. Vehicles not used for work or commuting qualify for better rates compared to those used for work or business. Ask your agent if your auto insurance policy properly reflects the correct driver usage.
  • Bump up deductibles to save – The deductibles define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The higher the amount you have to pay, the lower your rates will be.

How to Get Rochester Auto Insurance Comparison Quotes

Most major insurance companies quote coverage prices on their websites. Getting online quotes doesn’t take a lot of time as you simply type in your required coverages as detailed in the form. Behind the scenes, the system automatically retrieves your driving record and credit report and generates pricing information based on these factors.

Online price quotes streamlines rate comparisons, but the process of having to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible if you are searching for lower prices.

The easy way to compare rates

The quickest way to compare auto insurance pricing is to use a quote form that obtains quotes from a lot of companies. The form is fast, reduces the work, and makes comparison shopping much more enjoyable. After sending the form, it is quoted with multiple companies and you can pick any or none of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process takes just a few minutes to complete and you’ll know if lower rates are available.

To quickly compare rates using this form now, click here to open in new window and fill out the form. To compare your current rates, we recommend you duplicate the insurance coverages as shown on your current policy. Doing this assures you will have rate comparison quotes based on identical coverages.

Lots of discounts mean lots of savings

Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but a few need to be asked for before you will receive the Rochester New York insurance quote

  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Distant Student – Children who are attending college and do not have a car can receive lower rates.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Paperless Signup – A handful of insurance companies give back up to $50 simply for signing digitally online.
  • More Vehicles More Savings – Having multiple cars or trucks on the same auto insurance policy qualifies for this discount.
  • 55 and Retired – Older drivers may qualify for better auto insurance rates.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Life Insurance Discount – Some companies give a break if you buy auto and life insurance together.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will reduce your premiums.

For a list of insurers offering auto insurance discounts in Rochester, click here to view.

Won’t my local insurance agent miss me?

Some consumers would prefer to buy from a licensed agent and that is OK! One of the great benefits of comparing insurance prices online is the fact that you can find the best rates but also keep your business local. And providing support for local insurance agencies is definitely important in Rochester.

By using this simple form, your insurance data is transmitted to insurance agents in Rochester who will battle for your business. There is no reason to leave your computer due to the fact that quote results will go to your email. It doesn’t get any easier! It’s the lowest rates and a licensed agent to work with.

Below are agents in Rochester who can help you get comparison quotes.

  • Allstate Insurance Co – 2510 Chili Ave, Rochester, NY 14624 – (585) 247-0400
  • Liberty Mutual Insurance – 2680 Ridge Rd W # 103, Rochester, NY 14626 – (585) 225-4801
  • Pucci Insurance Consultants – 1665 Ridge Rd E, Rochester, NY 14621 – (585) 473-4130
  • Liberty Mutual Insurance – 2680 Ridge Rd W # 103, Rochester, NY 14626 – (585) 225-4801
  • State Farm Insurance – 3180 Latta Rd # 100, Rochester, NY 14612 – (585) 227-7110
  • Greece Agency Inc – 1777 English Rd # 1, Rochester, NY 14616 – (585) 723-1200

To view a complete directory of auto insurance agents in Rochester, please click here.

Selecting an insurance company should depend on more than just the premium amount. These are valid questions to ask:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • Are they able to influence company decisions when a claim is filed?
  • Will their companies depreciate repairs to your car based on the mileage?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

Upon receiving good answers to any questions you have as well as a affordable price, you may have just found an insurance company that can adequately provide auto insurance.

Everyone needs different coverages

When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your situation could use an agent’s help.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need roadside assistance coverage?
  • Does liability extend to a camper or trailer?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • When do I need to add a new car to my policy?
  • Does coverage extend to a rental car in a foreign country?
  • What is the minimum liability in New York?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

save money in Rochester New York

Much more information about auto insurance in New York is located on the New York Department of Financial Services website located here. Consumers can learn about specific coverages, find a variety of consumer forms, and report car insurance fraud.

The following articles may also be useful.

Affordable insurance is out there

Drivers switch companies for many reasons like not issuing a premium refund, being labeled a high risk driver, policy non-renewal or denial of a claim. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

When you buy insurance online, make sure you don’t reduce coverage to reduce premium. In too many instances, drivers have reduced comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Lower-priced auto insurance can be purchased from both online companies and with local Rochester insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.