Cheapest New York Car Insurance Quote -- Tips For Big Savings

Contrary to what you might be made to believe, it's quite easy to attract an affordable rate. The only things that that keep you from getting a more affordable rate now are the right information and a commitment to make use of the tips you get -- Period. Let's get into the steps you need to enjoy more affordable rates...

1. Do your utmost to always drive carefully. It's a good idea to NOT drive at all once you have taken alcohol(even if it's only a sip.

Driving while drunk, even if mildly will make you attract sky-high rates if you're fortunate or be compelled to stay without car insurance if you're not so lucky. Even little things like speeding tickets eventually add up to make you get higher rates over time. You'll do yourself a world of good by obeying all traffic laws at all times.

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2. A multi-vehicle discount is a proven and easy way to get more affordable rates. It It's advisable to insure all your cars with the same insurer unless you have a better bargain for some of your vehicles with another insurer. You can be sure by simply doing a little research before making this decision. But however you look at it, a multi-vehicle discount is a great way to get more affordable rates.

3. Maintaining multiple policies with one insurer equally gets you a reasonable discount. This clearly implies you should endeavor to get your New York auto insurance policy from the very carrier that provides your home owners, health or life insurance policies.

Howbeit, be informed that you might be better served if you buy your different policies from different providers who offer the cheapest quotes for each policy. Comparison shop with quotes sites and then have a chat with your agent. When you're done, you won't be guessing as you choose which to do since you're positive about which saves you more.

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4. There's something known as "good driver discount." It is for policyholders who have not made a claim for three years and more. But don't be taken aback if your agent tells you your vehicle insurance company doesn't offer this discount.

If your insurer is one of those who don't give this discount let them know point-blank that you will go to another provider. Take it or leave it, every insurance company likes having drivers who remain claims free for this long and you shouldn't have any difficulty getting lower rates with many other insurance companies.

And, as a matter of fact, your insurer is likely to have a rethink if they see you're really serious about changing to another company.

5. You are definitely paying more than necessary if you have collision and comprehensive coverage for an old car that's not a classic. This is because you are compensated based on what is referred to the Kelly Blue Book value of your car at the time you make a claim. So, you'll paid nothing if that book says that your vehicle isn't worth a dime as at when you make a claim.

Therefore, do the right thing and remove these coverage types from your New York auto insurance policy for all old cars. You will save much if you do this.

6. Move up your deductible and you will enjoy better rates. It is a wise move to have a deductible that is as high as possible but as well within easy reach.

Just bear in mind that this is what you would have to pay for by yourself if you make a claim. So make it as high as you can but ensure it's within easy reach.

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7. Your rate is seriously determined by your annual mileage. So do all within your power to NOT drive your car wherever there is a good alternative. This applies more to those whose profession and location give easy access to public mass transit networks.

Another recommended alternative for folks who want to bring down their mileage is carpooling.

8. You will save a lot of money in auto insurance if you obtain and compare auto insurance quotes from quotes sites. You'll realize savings if you go to just one of such sites. However, you will get more by visiting at least five.

The straightforward reason for this is that you'll get many more auto insurance quotes from a wider range of insurance companies. This raises your chances of getting better quotes.
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