Secret Tricks for Buying Islip, NY Auto Insurance at a Discount

Are you intimidated by the dozens of auto insurance companies in Islip? You have a lot of company. People have so many choices that it can turn into a challenge to find lower rates.

It’s smart to shop coverage around yearly because insurance rates are variable and change quite frequently. If you had the lowest rates last year other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the tricks you need to know to lower your rates without sacrificing coverage.

If you have car insurance now, you will be able to cut costs considerably using this information. This article will tell you the most effective way to quote insurance. Nevertheless, New York vehicle owners benefit from understanding how companies compete online because it can help you find the best coverage.

How to Compare Auto Insurance in Islip

Most companies give price estimates directly from their websites. Getting online quotes is pretty painless as you just type in as requested by the quote form. After you complete the form, the system automatically retrieves credit information and your driving record and returns a price quote.

Online quotes makes comparing rates easy, but having to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to get better auto insurance pricing.

The preferred way to lower your rates uses one form that analyzes rates from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes price shopping online much more efficient. After your information is entered, it is quoted and you can choose any or none of the returned quotes. If a lower price is quoted, you can click and sign and buy the policy. This process takes less than 15 minutes and could lower your rates considerably.

If you want to use this form to compare rates, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you copy the limits and deductibles exactly as they are listed on your policy. Using the same limits helps guarantee you’re receiving a rate comparison for exact coverage.

Beware of misleading auto insurance ads

Companies like 21st Century, Allstate and State Farm continually stream ads in print and on television. All the ads say the same thing of big savings after switching your coverage to them. How do they all make almost identical claims?

All the different companies can use profiling for the type of driver that is profitable for them. An example of a profitable customer could possibly be over the age of 50, has no prior claims, and has a high credit rating. A customer getting a price quote who fits that profile will get very good rates and therefore will save when switching.

Potential customers who are not a match for the “perfect” profile will have to pay more money and this can result in business not being written. Company advertisements say “customers that switch” not “people who quote” save that kind of money. This is how companies can state the savings. Because of the profiling, you need to quote coverage with many companies. It is impossible to predict the company that will give you the biggest savings.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the factors that help determine auto insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with big savings.

The following are a few of the “ingredients” that factor into rates.

• Safe vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
• Marriage pays dividends – Having a spouse helps lower the price on your policy. Having a spouse means you’re more responsible and statistics show married drivers get in fewer accidents.
• Credit scores impact auto insurance rates – Credit score is a important factor in calculating your auto insurance rates. If your credit is lower than you’d like, you could pay less to insure your by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with poor credit.
• Drive less and save money – The more you drive each year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates compared to those used for work or business. Double check that your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.

Are you getting all your discounts?

Auto insurance companies don’t necessarily list all their discounts very clearly, so we researched some of the best known and the harder-to-find savings tricks you should be using.

• Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
• Save with a New Car – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
• Federal Government Employee – Simply working for the federal government can save as much as 8% with a few auto insurance companies.
• Auto/Home Discount – If you have multiple policies with the same company you may earn approximately 10% to 15%.
• Drive Safe and Save – Insureds without accidents can pay as much as 50% less than less cautious drivers.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
• Defensive Driving Course – Taking a course teaching defensive driving skills could cut 5% off your bill depending on where you live.

It’s important to understand that most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, you won’t be that lucky.

More comparisons equals lower rates

Cost effective auto insurance can be found online in addition to many Islip insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and most of the time these small, regional companies sell through independent agents.

You just read quite a bit of information on how to lower your auto insurance rates. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the lowest rates come from the least-expected company.

Insureds switch companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, an unsatisfactory settlement offer and unfair underwriting practices. It doesn’t matter what your reason, finding a new company can be easier than you think.

More detailed New York auto insurance information is located at the New York Department of Financial Services website. Consumers can find disaster information, download brochures, file complaints about an insurance agent or broker, and find out industry alerts.