Affordable New York Car Insurance -- These Will Get You Massive Savings

It's NOT hard to obtain very low quotes and pay much less for adequate coverage if you understand what to do. Read through this write-up if you want to be part of this special group who are paying a lot less while enjoying the right coverage...

1. "Pimping your ride" does NOT help if you want lower rates. Doing such reduces your car's safety and, therefore, warrants higher rates as far as the insurer is concerned. Any changes to your vehicle takes your rates up.

2. Policyholders who do NOT make claims for over 3 years usually get a discount for it. But don't be alarmed if your insurance agent says that your NY auto insurance company does not offer this discount.

If your agent says that they don't offer this discount indicate that you might go to another insurer. With this quality of driving history getting a much better rate is certainly quite easy since claims-free policy holders are every insurance provider's dream.

And, as a matter of fact, your insurer is likely to shift grounds if they see you are very serious about leaving.

Insurance Quotes

3. Do you know that some folks are paying much more in auto insurance because of where their homes are? Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

So check with your agent before you commit to a new home. The truth is that most people don't think about this when they are about buying a home.

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $200 more in premium, that will add up to $4,000 within that time frame.

4. If you have collision and/or comprehensive for an old car that isn't a classic, then you are spending much more than you should. The reason for this is that insurance carriers base your compensation on what is called the Kelly Blue Book value of your car when you file claims. Therefore, you will get nothing if this book shows that your vehicle is worth nothing when you file a claim.

Do the smart thing and cut out both of them from your car insurance policy. Doing this will save you much and not put you at risk in any way.

Budget Car Insurance

5. Do NOT be tempted to enter false details in your bid to get lower rates. State personal info truthfully. Presenting untrue details is fraud and affects everyone's auto insurance rates negatively.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. This could make you lose a lot more than what you thought you would save. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. You can save us all this extra burden by representing your details truthfully.

6. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. Do you know that your credit card company might have already given you towing as an extra benefit?

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

7. Have you checked if your credit card company offers rental car coverage? More often than not, you'll discover that your credit card provider has already given you this coverage as added value. Therefore, to ensure you do NOT pay more for unnecessary coverage, check.

Cheapest Car Insurance

8. As you do these other things to reduce your auto rates, here's something you can do to receive lower rates now: Visit reputable insurance quotes sites and obtain quotes.

Visit not less than five of such for the best results. It's free, quick and easy. However, ensure you give your correct details as you fill the forms presented. The last step is to simply choose the insurance company that represents the best price/value from the quotes you've obtained.
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