Low Cost NY Car Insurance -- Actions For The Cheapest Rates

Some ways of reducing your rates do compromise the quality of coverage you enjoy and so are NOT advisable. You can, however, easily pay far less without downgrading the quality of your coverage if you understand and apply the right tips. Let's look deeper into this...

1. A multi-vehicle discount is a smart and easy way to enjoy lower New York auto insurance rates. Howbeit, there are a number of cases where you'll make more savings by insuring each car with different insurers. Doing some shopping and then checking with what you'll get from a multi-vehicle discount is an easy way to know for sure if this is in your best interest. But if you don't plan to shop around, you can rest assured that you'll still save a bit with a multi-vehicle discount.

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2. We all know that hardly any other age bracket pays as much for car insurance as drivers who are less than 25. But for drivers who find themselves in this age group, getting good grades at school will go a long way to help you enjoy more affordable rates.

To enjoy this, nevertheless, you must have at least a "B" grade. For young drivers who make themselves eligible, you can get discounts of about 5%. Students who maintain good grades are generally considered more responsible and less likely to take to reckless driving.

3. You deserve a considerable discount if a child on your policy does not drive the car for a protracted period because he/she is away at school. If this applies to your kid in school then do not forget to let your agent know about it. I must point out, though, that a number of insurers do not offer this discount.

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4. It is cheaper to insure your car if you live in a rural area. If you can stay in a rural area you'll be eligible for the cheaper rates because the risk of vandalism, crash or theft is so low in such localities. The more densely populated where you live is, the higher your rates.

5. Young drivers are statistically very bad risks. Worse still, if they are teenagers their auto insurance rates could be really high.

So you'll do well to NOT place your teenage driver on your policy. It will drive it up by a huge margin. You can discuss with your agent about signing an exclusion form so that your teen driver can have his/her own auto policy.

If a teen is keen on driving then then should be made responsible for at least the cost of their auto insurance. This act will save you more than money as your teen driver will happily listen when suggestions are made on things that will bring down the high rates they pay. Your teen will also be safer as the steps that will bring down his/her rates will make her a more responsible behind wheels.

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6. You can get savings of hundreds of dollars on your auto insurance policy by getting insurance quotes from insurance quotes sites. The best method is to visit a minimum of five sites and ensuring that you input the same (correct) details.

I advise that you use at least five quotes sites as that will ensure you do not miss out offers not carried by the other sites. This gives you a broader basis for doing more thorough comparisons thereby increasing your chances of getting more for less.
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