In New York State, there are many things you can do to ensure the best possible auto insurance rate. No one wants to pay more for insurance than they must. Below are ten tips for residents of the Empire State to find cheap car insurance:
First, make sure the information in your insurance policy is correct, such as your address, vehicle information, name, and age.
Second, take a DMV-approved auto accident prevention course. Your insurance company must apply a credit to your premiums for three years, if you take and complete the course. Additionally, if you have points (violations) on your driver’s license, this course will remove up four of them (hopefully you don’t have more than that).
Third, automatic seat belts and airbags will earn you a credit on your medical payments and no fault (not on the liability nor physical damage) coverage. A small credit, but a credit nonetheless.
Fourth, anti-lock brakes is a biggie and earns a discount on most car insurance policies in New York.
Fifth, consider joining the Combat Auto Theft Program (CAT). This program allows police officers to stop vehicles with an official decal if it is driven during the prime vehicle theft hours between 1 and 5 am. Some companies will offer a discount for participating in CAT.
Sixth, earn a careful driver discount for drivers without an accident for a given period of time.
Seventh, you may be eligible for a multi-policy discount if you have more than one policy with the same insurer. Most insurers offer such a discount.
Eighth, senior citizens or retirees may be offered a discount because they’re generally on the road less than younger drivers. This depends on the policy.
Ninth, increase your deductibles. The higher your deductible — what you pay for an accident that is covered — the lower your monthly premium will be.
Tenth, consider dropping physical damage coverage on your old vehicle. Your old vehicle may not be worth the amount spent for your current level of coverage. However, this is something each person will have to carefully consider given his or her situation and comfort level.
Start today by getting your free quote at the top of this website at AutoInsuranceWorld.net!