New York Auto Insurance Rates -- To Save Massively, Try These

Everyone in their right mind would be quite pleased to find a way of enjoying affordable New York car insurance rates provided such a way won't downgrade the quality of coverage they enjoy. Let's explore some time-tested ways of achieving just that...

1. There are vehicles that cost far more to insure. So have this on your mind when you are ready to shop for your next vehicle. Don't buy a car that has a high theft rate and/or a bad crash rating.

Another thing to find out is a car's maintenance cost as this is as well a factor that determines your rate. Asking the right questions will help you avoid expensive-to-insure cars and get cheaper rates.

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2. You'll get cheaper rates if your car has a higher safety rating. Does your car have built-in safety mechanisms? You'll qualify for a Safe Car discount if your car has such mechanisms. Your insurance agent can help you with a list of safety systems that will make you eligible for a discount with your insurance provider.

3. It's a known fact that young drivers attract high rates. Worse still, if they are teenagers their auto insurance rates could be really high.

This means that you'll help keep your rates down if you do NOT have a teen 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.

It's a fair price for them to pay to enjoy the adult privilege of driving. An addition argument in favor of this is that your teen will be more willing to take measures to reduce what he or she pays. The full implication of this is that your teen will be a lot safer as they'd do their best to avoid inflating their rates.

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4. You'll save by being loyal to an insurer due to the long term discount and accident forgiveness which they give to long-standing policy holders. Some insurers will give you up to 5% in discounts once you've been with them for up to three years while others will give you such a discount only when you've stayed for up to five.

Most insurers will also not raise the rates of a long standing policy holder if they make only just one claim. It makes sense for the insurer as it is cheaper to give discounts to existing policy holders than to acquire new ones.

Just bear in mind that some people will be better off if they switched to another insurer notwithstanding the many discounts given to long term policy holders.

let'sassume, that you will get a 5 percent (or $125) discount after your third year with an insurer where you present auto insurance premium is $2,500.

But also bear in mind that your rates may be raised to reflect the effect of inflation. Within the course of these 3 years you would most likely get an insurance provider who'll give you a similar auto insurance coverage or better for less than $2,000. In such a case, it is of no value to continue because you want to get a discount years later when you can get cheaper rates at the moment.

And, in nearly all cases, most people can actually pay a lot less than they are presently on auto insurance if they shop right.. In order to know if you are not simply missing out a better deal, obtain and compare auto insurance quotes not less than five insurance quotes sites..

5. There are classes that are designed to make you a better driver. Participate in them. In addition to making you a safer driver, they will qualify you for a discount with your insurance provider provided such a course is recognized by them.

6. 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. 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, 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.

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7. Using your parents' New York car insurance policy is an option for you an under twenty five. If you are of driving age, then your parents certainly are far above 25 years which means they're lower risk drivers.

You have to bear in mind, though, that the car must be registered in their name and you must be living with them if you want to take advantage of this option. This means that by law they own the vehicle. If the benefits of "independence" outweigh your auto insurance savings then this is certainly not alternative for you.

8. You will save much money in auto insurance if you obtain and compare auto insurance quotes from insurance quotes sites. You'll make savings if you use just one of such sites. But keep this in mind, you will get more by using at least five.

The straightforward reason for this is that you will get many more auto insurance quotes from a wider range of insurers. This raises your chances of getting better rates.
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