Cheapest NY Vehicle Insurance -- Sure-Fire Ways

Contrary to what you might be made to believe, it's quite easy to get a lower New York vehicle insurance rate. The two things that are holding you from attracting a cheaper rate at the moment are the right information and a motivation to make use of the recommendations you get -- Nothing more. Let us now look at several proven ways to get more for a lot less...

1. If you maintain collision and/or comprehensive for an old vehicle that isn't a classic, then you are spending way more than is necessary. This is because you are reimbursed based on what is called the Kelly Blue Book value of your car at the time you make a claim. Therefore, you will paid nothing if this book says that your vehicle isn't worth a dime at the time of a claim.

Therefore, take the right step and drop these coverage types from your car insurance policy for all old vehicles. You will save much that way.

2. Opting for high deductibles is a sure way to attract lower rates. It is a wise move to have a deductible that's as high as possible but always within easy reach.

Just take note that this is the amount you'd have to provide if you make a claim.

3. grab every opportunity to NOT drive your car as this will bring down your mileage and, by consequence, your rate. This is particularly true for those of us who reside in cities with advanced mass transit systems.

You can also bring down your mileage by joining a carpool.

4. You might save some hundreds of dollars by just obtaining and evaluating quotes from at least five insurance quotes sites. And, it will require only a total of 25 minutes.

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