Low Cost New York Automobile Insurance -- Time-Tested Steps

1. You'll get cheaper NY vehicle insurance rates if your car has a higher safety rating. Opt for vehicles that have mechanisms that increase safety. They'll qualify you for a Safe Vehicle Discount. Examples of such safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights.

2. Joining a car pool will will help in getting a more affordable rate. This is because carpooling reduces mileage (which is a vital point that determines your rate). Anything that cuts down your mileage considerably, reduces your auto insurance rate.

3. The most important route to massive savings in auto insurance is comparison shopping -- Given that you do it correctly. You can get quotes that will have a range in excess of $1,000. You could easily save so much by just picking the lowest quote. This should be the case if you're just after the lowest price.

However, if you're looking for the best price/value then you'd have to check the details of the lowest quotes. Different insurers may have adjustments for similar policies. It's a good idea to ask the agent what's part of the deal and what's not.

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