Cheap New York Auto Insurance Rates: 5 Important Issues

Do you want a lower NY vehicle insurance rate for sufficient coverage? Let's look at a number of sure-fire ways of achieving just that...

1. Ask your agent personally about all the discounts possible with with your present insurance carrier. There is a possibility that your agent has left one or two out. You will lower the probability of this happening to you if you take the pains to ask your agent seriously to tell you about every discount that is available. You might have a very pleasant surprise!

2. Defensive driving helps so take a course on it. Apart from the fact that such programs will improve your driving skills, they'll show your insurance carrier that you're taking active steps to make yourself a better risk.

3. Using your parents' NY auto insurance policy is a good option for you an under twenty five. The fact that you are of driving age means that your parents belong to a lower risk age bracket.

You must remember that the vehicle must be registered in their name and you must be living with them if you want to use this option. If you want to own your vehicle, then be the big boy or girl and also own the higher premiums. Sorry, you cannot have both with this option. However, you can still make a lot of savings by clicking the link at the end of this piece.

4. Try your best to enter the facts truthfully. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

Furthermore, an insurer has the right to cancel your policy if you give false details. This could make you lose a lot more than what you thought you would save. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

5. You can reduce your auto insurance costs by asking for and evaluating quotes from at least five good insurance quotes sites.

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