Seven Guaranteed Steps For Cheap New York Vehicle Insurance

It doesn't normally take implementing a hundred tips to make massive savings while enjoying adequate New York car insurance coverage. It's generally little things that result in huge discounts. Let's go through some of them in this article...

1. Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. I hope you also know that you'll pay less if you have a garage for your car.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark.

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2. Many New York insurance carriers offer a retiree discount. Retired persons do NOT have to drive to a place of work on a daily basis. A person's total mileage is a strong point that influences what they pay in premiums. So any event that brings down your total mileage by a big margin must cut down your rate.

The fine points for each insurer may be different but this is certainly an excellent way to reduce your auto insurance rate. Therefore it is recommended that you discuss this with your agent. Even if you don't refer to it as retiree discount, telling them of a considerable cut in mileage is important. You are entitled to a lower rate if the drop in your mileage is big.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. By the way, your credit card might already offer this as a benefit so check.

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

4. A vehicle with a high safety rating will attract better rates than one with a lower rating all other things being equal. Does your car have built-in safety features? You'll qualify for a Safe Vehicle discount if your vehicle has such features.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes This is particularly important for high risk profiles. If you consider the huge discount this will result in, a young driver will definitely save thousands in premium dollars in just a few years. Therefore, do your best to get trained in defensive driving from a recognized center. And, don't forget to tell your agent once you complete the course.

6. Getting married will bring down your rate by a huge margin. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. They generally file fewer claims and when they do, they usually cost less.

7. A lot of folks have lost their cars in the short seconds that they took to dash inside to get something while leaving their cars running and unlocked. Don't make this mistake. This simple act makes it very easy for thieves. Remember, they look for easy targets. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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Finally...

Take out some time to visit a minimum of 5 insurance quotes sites that return quotes on NY auto insurance policies. This should require not more than 25 minutes.

As you visit each quotes site, make sure you give the same details. Doing otherwise will return misleading quotes. When you've obtained your auto insurance quotes, compare them to see which serves your interest best in price/value.
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