Auto insurance quotes in NY. These four easy steps will help you save money and give you great coverage. New York is a large state, so the cost of your car insurance will vary depending on where you live.
The average cost of automobile insurance in New York is $2304, which is $720 more than the national average. This is a high price, so make sure to read this article for as many discounts as possible. You will pay more for car insurance if you live in New York City, where crime and traffic are high. You will pay less for car insurance if you live in an area of upstate New York that is characterized by small towns.
No matter where you live, there are many ways to lower the cost of car insurance.
These are the steps to follow.
1. Make sure you are familiar with the minimum requirements in New York for automobile insurance so that agents and brokers don’t try to sell you insurance you don’t need.
Bodily injury insurance $25,000 limit or $50,000
Limit of property damage: 10,000
Bodily injury to a motorist who is not insured or underinsured: $25,000 for a maximum of $50,000
Limit of $50,000 for personal injury coverage
2. You can park your car in a secure place. 5% discount.
This is especially true if your home is in a large city. Your insurance rates will be lower if your car is kept in a garage than if it’s left out in the open. These garages are safe and secure places to park your car. The best thing about parking garages is that your car won’t be covered in ice and it will not be damaged or plowed.
3. Clean driving record. Discounts of up to 10%
Driving records that include tickets or accidents are not acceptable. You can go to driver school to have the points removed and your car insurance rates reduced. If you’re a safe driver, you’ll be rewarded by automobile insurance companies with lower rates.
4. Get liability insurance. 20% discount.
You can cancel your comprehensive and collision insurance policies once your car is paid off. Instead, you can opt for a straight liability plan, which will cost you less, about 20%. Your car insurance costs you $2304 per year (average cost in NY). This represents a savings of $460
5. Raise deductible. Discount of 40%
This is the most important. This is the big one. A deductible of $1000 or more per accident will result in a 40% reduction in your car insurance costs. This is a trend that is increasing in popularity. However, you need to be cautious and make sure that you have enough money in your wallet to pay your deductible in case you cause damage or injury to your car. You are currently paying $2304 per year (average NY cost). This represents a savings of $921
6. You can do a thorough shopping both with agents and online to get at least five quotes before making a decision about which company is the best for you with the lowest price. The difference between the quotes will surprise you.
These are four ways to save money on auto insurance in NY. Compare prices and get discounts.
Jim Kibler is a highly skilled sales professional with extensive experience in financial growth and business. He was also a top-producing insurance agent. Jim believes that most people pay far more for insurance than they should.
