Cheapest NY Motor Car Insurance -- Advice For Big Savings

Contrary to what you might have thought, it's a lot easy to get an affordable rate. All you have to do to achieve this feat are little bits of information (That is, if you use them). Let us get into the ideas you need to attract cheaper rates...

1. Do your best to always drive carefully. You'll be making a good decision to stay away from the wheels once you take alcohol.

If you're convicted for driving under the influence (DUI) you'll NOT see cheap rates for some years. Even little things like speeding tickets do add up to make you pay more expensive rates over time. You'll do yourself a world of good if you obey all traffic laws at all times.

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2. You can bring down your premium by taking advantage of a multi-vehicle discount. You are only advised to do otherwise if the total of your rates across various insurance carriers is lower than what you'll get with a multi-vehicle discount if you buy from one insurance company. You can be sure by first doing a little research before taking this step. But anyway, a multi-vehicle discount is one way to get cheaper rates.

3. A multi-policy discount is a good way to reduce your total insurance cost. That's, for instance, if you get an auto policy from the very carrier that covers your home insurance.

Nevertheless, I must emphasize that you might not save as much as you might by changing to another insurer. Do some research with quotes sites and then discuss with your insurance agent. You will be sure of the right option for your profile when you do this.

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4. Remaining without making claims will result in a good driver discount. A number of insurers don't give this without some coercion.

If your insurance provider is one of those who don't give this discount let them know clearly that you'll switch to another provider. With this type of driving history finding a far lower rate is definitely very easy because policy holders who stay claims free are every insurer's dream.

However, more often than not the threat of switching from you will be enough to force them to give a concession.

5. You're surely spending too much if you've got collision and comprehensive coverage types for an old vehicle that is not a classic. A car's Kelly Blue Book value at the time of filing claims (and not the price of the vehicle when you bought it) is what affects what you'll get paid by your insurer. This means that not minding the amount you spen on premiums and the length of time you did, you will get nothing if that book says the vehicle is not worth anything by the time you file a claim.

Therefore, stop frittering away your hard-earned cash. If your vehicle becomes old, discontinue collision and comprehensive coverage on it. If you do this you'll pay a lot less.

6. You'll land a better rate if you choose higher deductibles. The best method is to go for the highest deductible that you can handle with relative ease.

I must stress that going to contribute this much if you ever file a claim. So make it as high as you can but ensure it's within easy reach.

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7. Seize every opportunity to NOT drive your vehicle since this will cut down your mileage and, by extension, your rate. This applies more to those whose occupation and location give easy access to modern mass transit systems.

You can equally bring down your mileage by carpooling.

8. You can save more by visiting not less than 5 quotes sites. If you do this, you'll be able to get the lowest NY auto insurance quotes possible as five sites will present not less than 25 quotes altogether.
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