NY Automobile Insurance -- Seven Tips Cheap Rates

Anybody who implements time-tested tips will easily attract cheaper rates while maintaining adequate coverage It's equally necessary that I point out that there are recommendations that might put you at risk even if they save you for now. I will, nevertheless, only give tips that will save you much while you still maintain the right coverage...

1. Remaining claims-free will qualify you for a good discount. But don't be surprised if your agent says that your auto insurance provider doesn't offer this discount.

If your insurance agent tells you that they don't offer this discount indicate that you might change over to another insurance carrier. As a matter of fact, you should leave them because you will certainly get a better offer with another company if you've maintained a clean slate for this long.

And, as a matter of fact, your New York insurer is likely to give a concession if they discover you are really serious about switching.

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2. Seize every opportunity to NOT drive your vehicle since it will bring down your mileage and, by extension, your rate. This is particularly true for those of us who live in cities with advanced mass transit systems.

Another good option for folks who want to bring down their mileage is joining a car pool.

3. Are you retired? Then you can get a retiree discount with a good number of NY insurance companies. You'll certainly NOT drive as often as you used to do once you are retired. A driver's total mileage is a big issue which determines what is paid in premiums. Therefore, any event that reduces your total mileage remarkably must lower your rate.

This discount is surely not one any retiree should overlook. Therefore it is a good thing to discuss this with your agent. Even if you don't call it a retiree discount, reporting a remarkable drop in mileage is important. Except where the change in your mileage isn't considerable, you should shop for another insurance carrier if you are NOT given a discount.

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4. There are a number of anti-theft gadgets such as automatic gas cut-off system, alarm systems and more. The likelihood of theft is a strong indicator that determines your rate. And since these devices lower such a risk, you'll attract a sizeable discount for them. Thieving rats prefer easy cars.

5. People who live in crowded areas are more likely to experience one type of vehicle accident or another if compared to those who reside in rural areas. If you can reside in a sparsely populated area you'll get the lower quotes because the risk of vandalism, crash or theft is quite low in such localities.

6. Do your utmost to always ensure your New York automobile policy does NOT lapse. It will make you pay high premiums for a long time. Don't allow this mistake while switching since that's when this happens to many people.

Don't cancel your old policy until the new one is fully in force and you'll not make this costly mistake. As simple as this may seem, a lot of individuals are bearing the burden of exorbitant 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 car that you've just forgotten about because of the headaches it gives you or something? Is this car still on your auto insurance policy or have you removed it?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. Don't make this mistake.

8. You will save much if you do shop around and do detailed comparison. The the difference in quotes presented per query could be as wide as $1,000 for a particular profile. While this is a good thing, it's crucial that you don't get carried away. It's not usually that straightforward if you want the best price/value.

The cheapest price may not represent you the best price/value. Notwithstanding that each of the quotes returned will definitely give you the same basic coverage, there could be a number of differences in the details of coverage. This makes it crucial that you find out if there aren't any exclusions you won't like.

Remember to treat these no-obligation quotes just that way. Don't feel obliged to pay unless you've had all your questions answered to your satisfaction. You will prevent rude surprises later if you do this.
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