Affordable New York Car Insurance Rates -- 5 Crucial Issues

Do you want a lower New York automobile insurance rate for the right coverage? Let's look at some proven ways of achieving just that...

1. Ask your agent personally about all the discounts available to you with your preferred insurance provider. There's a possibility that your agent has left one or two out. The only way to ensure it's false in your case is by asking your agent to list out every discount that your insurance provider offers. You might be surprised at discounts you have not taken advantage of.

2. Defensive driving makes you eligible for cheaper NY auto insurance rates so take a course on it. In addition to making you a safer driver, such programs will get you a discount with your insurance carrier provided such a course is recognized by them.

3. As an under twenty five, you can pay cheaper New York auto insurance premiums if you use your parents' policy. If you're of driving age, then your parents certainly are far above twenty five years which means they are lower risk drivers.

To take advantage of this though, you'll have to live with your parents and also have the car registered in their name. If you don't like the idea of giving the car's ownership to them and other stuff that may be attached to that, then you'll have to forego this option.

4. Be sure to NOT enter wrong details as you fill your forms. Insurance fraud costs us all.

Furthermore, an insurer has the right to cancel your policy if you give false details. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. 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. Visit at least five insurance quotes sites. Visiting at least five quotes sites increase the chances that you would get cheaper auto insurance quotes. This is because insurance companies not represented by one site will be covered by the other.

And, you should understand that because the likelihood of getting lower auto insurance quotes is proportional the number of quotes you get, the more insurance companies you obtain quotes from, the higher your chances will be.

Obtaining your New York auto insurance quotes online will help you save far more if you invest only 25 minutes to get quotes from not less than five insurance quotes sites.

Get Cheap Auto Insurance Quotes And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!