Cheap NY Vehicle Insurance -- The Following Will Get You Huge Savings

You will obtain cheap quotes and end up enjoying the most affordable rate possible for your profile if you understand and apply a few things. This article will show you steps you can take if you want to pay less without downgrading the level of coverage you enjoy...

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.

2. Remaining without making claims will make you eligible a good discount. But remember that not all NY carriers present this discount.

If your insurance carrier is one of the few who don't offer this discount let them know without mincing words that you'll go to another insurer. In fact, you should leave them because you'll definitely enjoy a better offer with another company if you've maintained a clean slate for this length of time.

But oftentimes the threat of switching from you will be enough to make them shift grounds.

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3. It's easy to save a few hundred dollars on a home but lose thousands over the years on auto insurance because of its location. Also note that a neighbor not too far away might fall under a lower crime zone than you -- This affects rates.

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. 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. You're surely paying more than necessary if you have collision and comprehensive coverage for an old car that isn't a classic. Your vehicle's Kelly Blue Book value at point of making claims (and not the cost of the vehicle when you bought it) is what affects what you will be reimbursed by your insurance carrier. So even if you've paid your premiums faithfully for several years but the Kelly Blue Book value says your vehicle has zero value, you'll get a dime from the insurance provider and they will be totally on the good side of the law.

Therefore, do yourself a favor and remove these types from your car insurance policy for all old vehicles. This simple step will cut down your costs and not compromise you in any way.

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5. Try your best possible to present the facts truthfully. Insurance fraud is detrimental to everyone.

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. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

6. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Have you checked to see if your credit card doesn't already offer this as added value?

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. You'll save if you exclude rental car coverage from your policy. Do this unless your credit cards does not offer you the benefit of rental car coverage. A good number of credit cards give you an automatic rental car insurance coverage once you use them to rent a vehicle. 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. While you take these other steps to cut down your auto premium, here's what to do to start enjoying lower rates now: Visit trusted quotes sites and get 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 complete the questionnaires presented. The last step is to just choose the insurance company that gives you the best price/value from the quotes return.
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