7 Tested Steps For Affordable New York Car Insurance

You don't need to do difficult things in most cases in order to bring down your New York car insurance rates. Just understanding a few compulsory things and applying them will make a real difference. Here are several things that will help you achieve that goal...

1. Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

Also make sure that your car is always parked in a well-lit area.

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2. several NY insurance providers offer a retiree discount. Retired folks do NOT need to drive to a place of work on a daily basis. Driving less will result in reduced mileage which certainly makes you a better risk.

This savings option is definitely not one any retired person should ignore. Get to know your insurance provider's stance on this from your agent. Even if you don't refer to it as retiree discount, reporting a remarkable drop in mileage is recommended. This should reflect in lower rates for you.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. 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. You'll get cheaper rates if your vehicle is considered to have a higher safety rating. Does your car have built-in safety mechanisms? They'll make you eligible for a Safe Car Discount.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes This is particularly important for high risk profiles. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. So as much as possible, become a defensive driver especially if you under 25. Once you get certified demand your well-earned discount from your insurer or look for another insurer if they don't give you a decent discount.

6. Although this may sound funny, you can bring down your rates by getting married. I know you won't get married just for this but when you do, it will save you a bit in auto insurance. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. They generally file fewer claims and when they do, they usually cost less.

7. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. 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 will save much if you really have between 25-30 minutes. Visit, receive and compare New York auto insurance quotes from various quotes sites. The cheapest quote should be your choice easily.

But, you have to look beyond just the cheapest price to the best price/value. The lowest priced may not offer the best price/value for you as a person.
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