Cheaper NY Car Insurance -- Advice For Big Savings

You can get high value coverage without paying top price. The two things that stand between you and attracting a cheaper rate at the moment are the right information and a resolve to use the information you get -- Nothing more. Following are several things that will help you reach this goal...

1. Drive carefully if you're really serious about enjoying lower car insurance rates. You'll be making a good resolution to always avoid being behind the wheels once you take alcohol.

If you're convicted for driving under the influence (DUI) you've said good-bye to affordable rates for some years. And don't overlook those speeding tickets because they cost you a lot more than the fine you pay. They add up to raise your rate. You'll be helping yourself if you obey all traffic laws at all times.

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2. Folks who have more than one car will make huge savings if they insure them all with the same New York auto insurance provider. You are only advised to do otherwise if the sum of your rates with different insurers is lower than what you'll get with a multi-vehicle discount if you buy from one insurer. Doing some shopping and then checking with what you'll save with a multi-vehicle discount is an easy way to know for sure if this serves your best interest. Insuring more than one vehicle with the same insurance company will always result in a good discount.

3. You'll also get a considerable discount if you hold more than one policy with the same insurance company. That's, for instance, if you purchase an auto policy from the same insurer that underwrites your homeowners' insurance.

Nevertheless, care has to be taken because that an insurance provider gave you great rates for a policy does NOT mean they will for another. Getting quotes and comparing them with what you'll save are very profitable steps. Thereafter, you won't be be taking chances as you choose which to do because know definitely which saves you more.

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4. There's A type of discount referred to as "good driver discount." It's for drivers who have not made claims for three years and more. But don't be alarmed if your agent tells you your auto insurance carrier doesn't give this discount.

If your insurance provider is one of those who don't give this discount let them know point-blank that you'll switch to another provider. Really, you should because you'll definitely get a better deal somewhere else if you've maintained a claims-free status for this long.

And, as a matter of fact, your insurance carrier is likely to give a concession if they see you are very serious about switching.

5. If you keep collision and/or comprehensive for an old vehicle which is not a classic, then you're spending way more than would do you any good. The logic for this is that insurance carriers base the compensation they pay on what is called the Kelly Blue Book value of your vehicle when you file claims. Therefore, you will get nothing if that book says that your vehicle isn't worth a dime when you file a claim.

So, stop wasting your money. Once a car becomes old, discontinue collision and comprehensive coverage types on it. Doing this will save you much and not compromise you in any way.

6. Raise your deductible and you'll get cheaper rates. The recommended choice is the highest you can pay with ease.

I must remind you that expected to contribute this much if you ever make a claim.

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7. Drive as little as possible as it will cut down your mileage and make you eligible for a low mileage discount. This relates more to those whose profession and location make it easy for them to use modern mass transit networks.

Joining a carpool is also another innovative way of bringing down your mileage.

8. You might save some hundreds of dollars by just getting and comparing quotes from not less than five insurance quotes sites. And, it will take only a total of 25 minutes.
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