Cheap NY Auto Insurance Quotes -- 5 Serious Facts

Everyone out there would be quite pleased to discover a way to enjoy cheaper NY auto insurance rates provided such a way will NOT negatively affect the level of coverage they enjoy. Here are things that will help you attract huge discounts with ease...

1. Are you aware of every discount that your insurance carrier offers? Since agents too are human they might not remember to tell you about some discounts you are eligible for. You will reduce the odds of this happening to you if you take the pains to ask your agent seriously to tell you about every discount that is possible. You might be in for a very pleasant surprise!

2. There are programs that are set up to improve your driving. Join them. In addition to the fact that such programs will improve your driving, they'll show your insurance carrier that you're doing your best to reduce your risk level.

3. As an under 25, you can pay lower New York vehicle insurance premiums if you use your parents' policy. The fact that you're of driving age means that your parents belong to a better risk age group.

There are two things you must do for this to be possible: The vehicle must be registered in your parents' name and you must live with them. If you want to be the owner of your car, then be the big boy or girl and also own the costly premiums. Sorry, you can't have both with this alternative. However, you can still make huge savings by clicking the link at the end of this piece.

4. Do your very best to enter your details 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. You'll then lose in a very big way. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. 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 will save a lot if you really have between 25-30 minutes. Visit, get and compare New York auto insurance quotes from various quotes sites. The lowest quote should be what you pick easily.

Nevertheless, you have to go beyond simply the lowest quote to the best price to value ratio. The lowest priced may not offer the best price/value for you as an individual.

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