Seven Sure-Fire Steps For Cheap NY Vehicle Insurance

It doesn't normally take applying a hundred tips to get massive discounts while maintaining adequate NY vehicle insurance coverage. It's usually small things that help you get huge savings. I'll take some time out here to reveal some of those things...

1. Don't make the mistake of parking your car in places where it won't be safe. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. Parking your car in a garage will help you reduce your rate over time.

Also make sure that your car is always parked in a well-lit area. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Are you a retired person? Then you can get a retiree discount with a good number of NY insurance carriers. You'll hardly drive as often as you used to do once you are retired. This will certainly cut down anybody's mileage.

This savings option is definitely not one any retiree should pass on. Do learn more about the finer points from your insurance agent. And, if your agent tells you they don't have this particular discount, do your utmost to point out the big adjustment in your mileage. Except where the change in your mileage isn't significant, you should look for another insurance provider if you don't get a decent discount.

3. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. Do you know that your credit card company might have already given you towing as an extra benefit?

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. You'll pay less if your vehicle has a higher safety rating. Go for vehicles that have systems that improve safety. You'll qualify for a Safe Car discount if your car has such mechanisms. Examples of such safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights. Your agent can give you a list of features that will get you a discount with your insurance carrier.

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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. So as much as possible, become a defensive driver especially if you under 25. Once you get certified demand your well-earned discount from your insurer or look for another insurer if they don't give you a decent discount.

6. Getting married will bring down your rate by a huge margin. It's commonsense that every person becomes more stable and less reckless once they get married. This stability affects such a person for good when he/she is behind wheels. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

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. The only easier thing for a thief would be if you handed over your keys as a gift. Car thieves are known to go for easy targets. An unlocked car with the engine running? What could be easier?

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Finally...

You can save more by visiting a minimum of five quotes sites. That way, you'll be able to get the lowest New York auto insurance quotes available since five sites will present up to 25 quotes altogether.
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