Cheap Car Insurance Quotes for Good Drivers in New York

Comparing rates for reasonably-priced auto insurance is not always easy, and finding out which company offers the most affordable car insurance rates for good drivers will involve a little more work. Policy prices will probably be a little bit lower-priced than the average policy in New York, with the lower price attributed to the reduced risk related to selling insurance for safe drivers. Reasonably-priced insurance should be readily available without having to search too hard.
Every car insurance company has a unique formula for establishing rates, so let’s take a look at the car insurance companies with the overall best prices in New York.

It’s a good idea to be aware that New York car insurance rates are calculated based on many things that can increase the price you have to pay. Turning one year older, buying a safer car, or getting caught speeding may prompt premium changes that can now make some companies higher when they were quite affordable.

Best Auto Insurance Prices for Good Drivers

Click to Compare Rates Now

USAA has some of the best car insurance rates in New York at around $1,152 annually. Erie, Utica National, Travelers, and Allstate also make the cut as some of the cheaper New York insurance companies.

In the above example, if you are a customer of Erie and switched to USAA, you might see a yearly savings of around $103. Insureds with Utica National might save as much as $352 a year, and Travelers customers might see rate reductions of $361 a year.

To find cheap auto insurance for good drivers in New York for your vehicle, click here to get a free quote or click through to the companies below.

These policy prices are averaged for all insureds and vehicles and do not factor in a price decrease for good drivers. So the car insurance company that can offer the best rates for your situation may not even be shown in the rate chart shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Everyone has different tastes in autos, and the style of vehicle on the policy is a large consideration that determines whether or not you find the best coverage for good drivers. Vehicles with reasonable performance levels, a great safety record, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The tables below presents insurance premiums for a handful of the most economical vehicles to buy insurance for.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in specific zip code location which can change coverage rates greatly.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific location information which can raise or lower premium rates significantly.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific location information which can raise or lower auto insurance rates significantly.

When shopping for cheaper auto insurance for safe drivers, one of the many components that aid in calculating a rate quote is where you keep your car in New York. More populated areas like New York, Hempstead, and Yonkers are more likely to pay higher prices, whereas less populated areas get the luxury of paying less.

The information below ranks the highest-priced places in New York for good drivers in which to buy car insurance.

Prices are estimated as specific New York garaging address can influence prices significantly.

Liability rates compared to full coverage

Finding cheap auto insurance for good drivers in New York is important to the majority of people, and one good way to pay less for insurance is to buy only liability coverage. The example below compares premium costs when comparing full coverage to liability only. The costs are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2337,807],[‘Age 30’, 1225,447],[‘Age 40’, 1205,415],[‘Age 50’, 1101,389],[‘Age 60’, 1065,383],[‘Age 70’, 1299,509]]);var options = {title: ‘Full Coverage and Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in New York’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for all age groups, full coverage on your policy costs an additional $1,372 per year more than just insuring for liability. That is a significant amount which raises the question if buying full coverage is a good investment. There is no clear-cut rule to stop paying for physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

Buying coverage from the right insurance provider can be rather challenging considering how many companies sell insurance in New York. The rank data below may help you select which car insurance companies to look at buying from.

The ratings below include companies that write coverage in many states, so smaller companies that only insure vehicles in New York are not taken into consideration for the list. To compare prices and find cheaper insurance for good drivers, click here.

Top 10 Major Car Insurance Companies in New York Ranked by Value

1. The General
2. Erie Insurance
3. The Hartford
4. Mercury Insurance
5. Farmers Insurance
6. 21st Century
7. Safeco Insurance
8. AAA Insurance
9. State Farm
10. Travelers

Top 10 Major Car Insurance Companies Overall in New York

1. The General
2. Mercury Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

How to find cheap auto insurance for good drivers in New York

Here are some money-saving ideas that can help New York drivers quote cheap car insurance.

• Save money by only buying liability coverage for older vehicles
• Too many claims can make car insurance unaffordable
• Buy vehicles with five-star safety ratings
• Do not get tickets
• Buying car and homeowners insurance together can save money
• Do not get into accidents
• Shop around for cheaper rates regularly

That last piece of advice is extraordinarily valuable, as was emphasized in the prior article. Auto insurance rates adjust often, so drivers shouldn’t be resistant to switch carriers if you can save money.

Brand loyalty is great, but it’s not recommended if your bullheadedness ends up costing you lots of money. If you have a few minutes, shop around to find cheaper auto insurance for good drivers.