Best Cheap Insurance for 4×4 Vehicles in New York

The words “economical” and “insurance” probably shouldn’t be used together, in particular when shopping around for the cheapest car insurance for 4×4 vehicles. To save some money, let’s start the ball rolling by going over a few of the things that determine auto insurance premiums, and see if we can help you lower the price of your next policy.

We all have different tastes in cars, and the vehicle you are trying to insure is one of the primary factors when looking for the best cheap insurance for 4×4 vehicles in New York. Vehicles with high performance features, poor crash test ratings, or a high likelihood of having liability claims will cost much more to insure than more modest models. The next lists ranks coverage costs for a selection of the most affordable automobiles to insure.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price estimates do not factor in specific zip code location which can raise or lower coverage rates substantially.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in specific location which can alter price quotes significantly.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can impact insurance rates significantly.

Finding dependable, cheap car insurance is challenging, and determining which company quotes the lowest-priced insurance rates for 4×4 vehicles takes even more perseverance.

Each insurer has their own guidelines to determine premium rates, so let’s take a look at the most budget-friendly insurance companies in New York. Keep in mind that New York insurance rates are calculated based on many things that control the policy premium. Simply improving your credit, buying higher coverage limits, or getting into an accident can cause premium changes that can now make some companies more affordable than competitors.

Find the Best Cheap Insurance for 4×4’s

Compare Rates Today

USAA generally has some of the cheapest car insurance rates in New York at around $1,199 annually. Erie, Utica National, Progressive, and MetLife also are some of the cheaper New York insurance companies.

In the above example, if you are currently insured with Progressive and switched to Erie, you might realize a yearly savings of upwards of $303. Drivers with MetLife may save as much as $317 a year, and Travelers customers might lower prices by $320 a year.

Understand that those prices are averaged across all drivers and vehicles and are not factoring in a price discount for 4×4 vehicles. So the insurer that fits your situation best may not even be included in the chart above. That point stresses why you need to get auto insurance quotes using your own specific driver and vehicle information.

Impact of violations and accidents on rates

A great way to snag the most affordable insurance premiums for off-road vehicles is to be a cautious driver and not receive tickets or have accidents. The example below demonstrates how traffic citations and at-fault accidents impact yearly insurance costs for each age group. The rate quotes are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 1541,1989,3651],[‘Age 30’, 1081,1529,3189],[‘Age 40’, 1067,1519,3179],[‘Age 50’, 939,1389,3053],[‘Age 60’, 895,1345,3009],[‘Age 70’, 959,1411,3069]]);var options = {title: ‘Effect of Citations and Accidents on New York Auto Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of car insurance per year with no violations or accidents is $1,080. Get written up for two speeding tickets and the average cost increases to $1,530, an increase of $450 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of insurance for 4×4 vehicles increases to an average of $3,192. That’s an increase of $2,111, or $176 per month, just for being a careless driver!

The information below illustrates how your choice of deductibles can affect insurance premiums when trying to find cheap insurance for 4×4 vehicles. The premiums are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2895,2655,2395,2147],[‘Age 30’, 2007,1833,1635,1447],[‘Age 40’, 1861,1703,1525,1355],[‘Age 50’, 1625,1489,1333,1183],[‘Age 60’, 1573,1439,1289,1147],[‘Age 70’, 1831,1679,1515,1357]]);var options = {title: ‘Impact of Higher Deductibles on Insurance Prices in New York’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $336 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $506 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, could possibly save up to $748 or even more by choosing a larger deductible amount.

When increasing deductibles, it will be necessary to have spare funds to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How to find the cheapest auto insurance for 4×4 vehicles

The list below shows a few money-saving suggestions that can help New York drivers quote more affordable coverage.

• Raise deductibles
• Earn discounts for being claim-free
• Having at-fault accidents will increase rates
• Maintain a clean driving record
• Drop full coverage on older vehicles
• Comparison shop frequently

That last piece of advice is remarkably significant, as was emphasized in the prior information. Auto insurance rates vary considerably, so drivers shouldn’t hesitate to buy from a new company if a better deal can be had.

Many drivers have brand loyalty and that’s fine, but it’s not a great idea if that faithfulness ends up costing you hundreds every year. In just a couple of minutes you could compare prices and find cheaper insurance for 4×4 vehicles.

Who has the cheapest insurance quotes for off-road vehicles?

Thanks to technology, drivers have a lot of ways to quote insurance rates in New York, but the most prevalent are either through an exclusive insurance agency such as Liberty Mutual or Allstate, an independent agent, or direct from companies such as Geico or Progressive.

Each way has the same basic steps, but each is slightly different in how they provide price quotes.

Independent insurance agents have contracts with multiple insurance companies and can get policy pricing from every one. Agents of this type have the option to provide you with more rate quotes, which may provide you with improved chances of finding a lower rate. If prices rise, your policy can be easily switched to a new company and you stay with the same agent.

Exclusive agents are ‘exlusive’ to one insurance company like Allstate or State Farm agents. They generally cannot compare other company’s rates, so it’s a good idea to shop around.

Direct insurance buyers do not use a local agent and buy from a direct company like Geico or Esurance. Buying direct may be good for consumers who do not need risk management and know more than average about the exclusions of a policy.

So which one of the three ways works best to find the best cheap insurance for 4×4 vehicles in New York? The majority of insurance shoppers assume that buying from a direct car insurance company results in the best prices since it doesn’t require paying agent commissions, but that generally is not the case. And we’d like to say going through an independent agent results in the best rates since there are more companies to choose from, but that is not necessarily true either. And often times, exclusive agents have coverage prices that cannot be beaten by either independent or direct companies.

Since insurance prices are based on many different factors, really the best method to buy the cheapest policy is to get quotes and compare. We recommend you get price quotes from independent, exclusive, and direct to have the best selection of rates to choose from. For a list of companies with cheap rates in New York, click here to view.