NY Auto Insurance -- Seven Steps For More Affordable Rates

Anyone who uses time-tested tips will easily get cheaper rates without sacrificing adequate coverage However, if you have the wrong tips, in spite of the fact that you may still save, you will do so by compromising the level of coverage you get. I will, nevertheless, only make recommendations that will save you much while you still maintain sufficient coverage...

1. There is something known as "good driver discount." It is for drivers who haven't made claims for 3 years and more. But bear in mind that not all carriers give this discount.

Your agent should be made to see your dissatisfaction with their refusal to offer you such a discount and don't forget to point out that you may switch to a different insurance carrier. As a matter of fact, you should because you will certainly enjoy a better deal with another company if you've maintained a clean slate for this length of time.

Almost all NY insurers will do everything within their powers to be certain they don't lose you and this should result in a concession from them.

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2. Drive as little as possible as it will bring down your mileage and get you a low mileage discount. This definitely makes sense if you live in a city where you have access to standard mass transit networks.

Another good alternative for those who want to reduce their mileage is carpooling.

3. Are you a retired person? Then you're eligible for a retiree discount with a good number of NY insurers. You will definitely NOT drive as often as you used to do once you are retired. This will definitely cut down anybody's mileage.

Remember that you qualify for this if you are a retiree. So it's a good thing to discuss this with your insurance agent. And, if your he/she says they do NOT offer this very discount, do your utmost to report the big difference in your mileage. Unless the reduction in your mileage isn't significant, you should shop for another insurance carrier if you are NOT given a discount.

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4. .Try to install theft-deterrent mechanisms in your vehicle. The likelihood of theft is a strong indicator that goes a long way to determine your rate. And considering that these cut down the chances, you'll receive a sizeable discount if they are fitted in your car. Thieving rats have a preference for unprotected targets.

5. Those who stay in crowded cities are more likely to have one type of auto accident or another if compared to those who reside in sparsely populated areas. If you can stay in a rural area you will attract the lower rates because the risk of vandalism, crash or theft is so low in such localities.

6. Do your utmost to always make sure your NY car policy never lapses. It will make you pay expensive rates for a long time. This happens to many individuals while they are switching to another insurance company.

To avoid this, wait until the new policy is fully in operational before you cancel the old. As simple as this may seem, a lot of individuals are bearing the weight of higher rates because of this silly little oversight.

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7. Is it possible you have a car that you've not used for a long while? Do you have a broken car? Is this car still on your auto insurance policy or have you removed it?

Funny as it may seem, this is one reason some folks pay higher rates than they should. If you made this kind of mistake then you can save yourself a lot of bucks by quickly removing an unused car or cars from your policy.

8. You could save some hundreds of dollars by just obtaining and evaluating quotes from about five quotes sites. And, it will take only a total of 25 minutes.
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