7 Sure-Fire Steps For Affordable New York Car Insurance

Contrary to what you might have heard, you don't really need to do very exceptional things in order to get the most affordable New York vehicle policy that gives you adequate coverage. You may be embarrassed to find out that all that's keeping you from far more affordable rates are simple things you can easily deal with. I'll take the pains in this article to show you some of those things...

1. Make sure your car is always parked in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. Parking your car in a garage will help you reduce your rate over time.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Are you a retired person? Then you can get a retiree discount with most New York insurance carriers. Retired persons do NOT have to drive to work on a daily basis. A driver's annual mileage is a big point that influences how much they pay in premiums. So anything that lowers your annual mileage count remarkably must lower your rate.

The finer details for each insurance provider may be different but this is surely an excellent way to cut down your car insurance cost. Do learn more about eligibility requirements from your agent. Even if they don't refer to it as retiree discount, registering a considerable reduction in mileage is advisable. This should bring about better rates for you.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. By the way, your credit card might already offer this as a benefit so check.

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

4. A vehicle with a high safety rating will attract better rates than another with a lower rating all other things being the same. Safety features should receive top consideration when shopping for a new vehicle. They will make you eligible for a Safe Vehicle Discount. Your insurance agent can give you a list of safety devices that will get you a discount with your insurance carrier.

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5. Do you know that you'll be eligible for a discount if you complete a defensive driving course or any such program approved by your insurer? This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. If you consider the huge discount this will result in, a young driver will definitely save thousands in premium dollars in just a few years. Therefore, do your best to get trained in defensive driving from a recognized center. When you get certified, let your agent know and insist on your discount -- You've earned it.

6. Getting married will bring down your rate by a huge margin. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

7. A lot of folks have lost their cars in the short seconds that they took to dash inside to get something while leaving their cars running and unlocked. Don't make this mistake. This is an open invitation to any thief sniffing around. Car thieves are known to go for easy targets. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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Finally...

You can save a lot of dollars by visiting a minimum of five quotes sites. If you do this, you will be able to get the lowest New York auto insurance quotes possible since five sites will return not less than 25 quotes altogether.
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