Affordable NY Vehicle Insurance -- Tips For The Best Rates

You can lower your rates considerably by compromising the quality of coverage you get. That's NOT smart. However, you can get cheaper rates for better coverage if you know the things that matter and and apply them rightly. I'll explain how...

1. A multi-vehicle discount is a proven and easy way to enjoy more affordable NY auto insurance rates. However, there are a number of cases where you'll save more by buying from different insurers. You can be sure by first doing a little research before taking this step. But if you don't intend to shop around, you can be sure that you'll still save considerably with a multi-vehicle discount.

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2. Under-25 drivers are given very high rates. However, one step you can take to get more affordable rates if you fall into this age group is keep getting good grades.

This discount is for students who get A's or a minimum of B's. This will shave off up to 5 percent from your rate if you meet eligibility requirements. Students who maintain good grades are usually seen as more responsible and less prone to reckless driving.

3. You can get a sizeable discount if a child on your policy does not drive the car for a considerable time frame because he/she is is in college. If your kid is in college then you should ask your auto insurance agent about your eligibility for this discount. While you should try, you must bear in mind that this is not one of several normal discounts that all insurers give.

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4. You will pay far more on car insurance if you reside in Los Angeles than you would if you resided in some rural town. If you can reside in a sparsely populated area you will be eligible for the better quotes since the risk of vandalism, crash or theft is quite low in such localities.

5. Under-25 drivers get higher rates than any other age group. Worse still, if they are teenagers their auto insurance rates could be really high.

So you'll do well to NOT place your teenage driver on your policy. It will drive it up by a huge margin. Your teen driver should have his/her own policy. This will be made possible if you sign an exclusion form.

It's a fair price for them to pay to enjoy the adult privilege of driving. Teens who pay for their own auto insurance are more willing to take steps to bring it down. The full implication of this is that your teen will be a lot safer as they'd do their best to avoid inflating their rates.

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6. You can realize savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from insurance quotes sites. The best way is to visit not less than five quotes sites and making sure that you input the same (correct) information about yourself.

I advise that you visit at least five quotes sites since it will make it less likely that you'll miss out offers not given by the other sites. This provides you a broader basis for doing more thorough comparisons thereby increasing your chances of getting more for less.
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