New York Vehicle Insurance -- 7 Steps For Cheap Rates

With the right advice you'll get more affordable rates for adequate coverage. It is equally important that I point out that there are tips that might put you at risk even if they save you for now. I will, however, only give tips that will help you save much while you still keep enjoying the right coverage...

1. There's A type of discount called the "good driver discount." This for drivers who have not made a claim for three years and more. But don't be taken aback if your agent says that your vehicle insurance carrier doesn't offer this discount.

If your agent says that they do NOT give this discount let him or her know that you will change over to another provider. As you well know, every insurance provider likes having folks who remain claims free for this long and you shouldn't have any difficulty getting better rates with a host of other insurance companies.

Most NY insurers will do everything possible to ensure they do NOT lose you and this should draw a concession from them.

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2. Take advantage of every opportunity to avoid driving your car as it will cut down your mileage and, by consequence, your rate. This definitely is the way to go if you live in an urban area where you have access to standard mass transit networks.

Carpooling is also another innovative way of bringing down your mileage.

3. Retirees are given a special discount by a good number of NY insurance providers. Retired folks don't get to drive to work every day. This will effectively cut down anybody's mileage.

The finer details for each insurance carrier might be different but this is definitely an excellent way to lower your car insurance rate. So it is a good thing to discuss this with your insurance agent. If for any reason they don't have a discount like this, don't fail to inform your agent about the change in your mileage. This should reflect in better rates for you.

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4. Features such as automatic gas cut-off, alarms and other theft-deterrent devices are recommended. The risk of theft is a strong parameter that goes a long way to determine your rate. And since these mechanisms lower such a risk, you'll get a sizeable discount for them. Car thieves will think twice before attempting to steal a vehicle with theft-deterrent devices.

5. Those who reside in densely populated cities are more likely to experience one kind of vehicle accident or another if compared to folks who stay in rural areas. If you can live in a rural area you'll attract the cheaper quotes because the risk of vandalism, crash or theft is so low in such localities. The more densely populated your city of residence is, the more expensive your rates.

6. Do your best to always make sure your NY vehicle policy does NOT lapse. You'll pay more expensive rates for a long time if you let this happen albeit by mistake. It's easy for this to happen to some individuals as they are switching to another insurer.

Don't cancel your old policy until the new one is fully operational and you'll not make this costly mistake. Many people are paying more than they would otherwise simply because of this mistake. Therefore, make sure you don't become one of them.

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7. Do you know that you might be losing money if you have a car that you've not used for months? Is one of your cars been covered in the garage for up to six months because it's broken? Have you removed it from your auto insurance policy?

Funny as it may seem, this is one reason some folks pay higher rates than they should. I hope this is not the case with you.

8. While you take other steps to reduce your auto insurance costs, here's what to do to get lower rates now: Visit good quotes sites and obtain quotes.

Visit a minimum of five of such for the best results. It's free, quick and easy. Make sure you give your correct details as you fill the forms on each site. Thereafter, simply choose the quote that represents the best price/value from the quotes you receive.
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