Affordable NY Auto Insurance -- The Following Will Attract Massive Savings

Folks who understand the right steps to take don't find it difficult getting the cheapest rates without compromise to the quality of coverage they enjoy. I'll share a number of steps to take if you want massive discounts that won't leave you with inadequate coverage...

1. If you want to keep your rates down, do NOT "pimp your ride." Things like changing your tires to bigger ones than specified by the manufacturer, adding equipment that will increase your car's horse-power will cost you a lot more. Any changes to your vehicle takes your rates up.

2. Drivers who do NOT make claims for more than 3 years usually get a discount for it. Several NY insurance providers do NOT present this discount without some coercion.

If your insurance carrier is one of those who don't offer this discount tell them point-blank that you will move over to another insurer. Really, you should because you'll certainly enjoy a better deal somewhere else if you've kept a claims-free status for this long.

And, as a matter of fact, your insurer is likely to have a rethink if they notice you're really serious about switching.

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3. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

So check with your agent before you commit to a new home. I know: That isn't usually an issue when you're looking for a home but it's really important.

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 keep collision and/or comprehensive for an old vehicle which is not a classic, then you are spending way more than is necessary. The logic for this is that insurance carriers base the reimbursement they make on what is known as the Kelly Blue Book value of your car when you file claims. This shows that not minding how much you've paid and for how long you did, you may get NOT a dime if that book declares the car is not worth anything when you file a claim.

Do the right thing and leave out both from your car insurance policy. Doing this will cut down your costs and not compromise you at the same time.

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5. Don't be tempted to enter incorrect information in your bid to get cheaper rates. State personal info truthfully. Presenting untrue details is fraud and affects everyone's auto insurance rates negatively.

If you're one such people who don't care what your actions cost the rest, then be informed that your insurance provider will cancel your policy once they discover your details are false. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

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. Have you checked to see if your credit card doesn't already offer this as added value?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

7. Do not include rental car coverage in your auto insurance policy without confirming if your credit card offers such a benefit. This is because most credit card companies add this as an additional value for all those who use their cards to rent a car. You'll simply avoid duplicating coverage if you check before you decide if it's necessary to still add rental car coverage to your policy.

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8. You can bring down your auto insurance premium by obtaining and comparing quotes from at least five good quotes sites.
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