New York auto insurance is very important for all of us to have. Not only because it is mandated by law but is critical in the event of any accident or car problem. Unless you want to pay all of the costs from any accident or car issue yourself, you are going to have to have insurance to help out.
Getting New York car insurance quotes is like everything else in New York, expensive. With rising car thefts and a high number of car accidents, it's understandable that rates in New York are higher. The higher rates for New York car insurance quotes is substantially higher than the national average.
Before you decide cheap New York auto insurance is impossible, we've got good news for you. We've come up with ten ways to get a cheaper New York auto insurance quote:
1. Compare and check New York auto insurance quotes. The first thing that you can do is to go online and check for New York auto insurance quotes and then compare them. You will find something that will fit your budget if you spend some time getting a number of quotes and seeing what are your options.
2. Get your coverage reduced. If you do have full coverage insurance, you can try to remove some of the coverage that is not necessary for you. For example, comprehensive coverage is not the best use of your money for cars that are already old. The only drawback is that people who are into a leasing payment option cannot do this since it is mandatory for them to maintain comprehensive coverage. For those that arent under a leasing plan, you can also stay with just the State minimum levels. However, that could leave you exposed under certain accidents.
3. Increase your deductible. By increasing the amount that you are willing to pay prior to the insurance company having to pay out, will only lower the amount of your New York auto insurance quote.
4. Choose a car that isn't a high theft or low profile car. A low profile car has less chance of being stolen. Because of the high levels of car theft, New York auto insurance quotes are high. High end and foreign cars are favorites of car thieves. You are more likely to get a lower New York auto insurance quote if your car isn't one that is likely to be stolen.
5. Keep a good driving record. An accident or DUI will cost you a discount that a three year good driving record will get on New York auto insurance quotes.
6. Installing safety devices. Safety devices like alarms installed in your car will give you additional ammunition for getting reductions on insurance. There are a variety of choices and checking with car dealers and insurance companies will assist you in finding out the best choices.
7. Have a top notch credit rating. The lower your credit rating the lower your New York car insurance quote since you are considered a high risk insure. Check and see if there is a New York insurance company that doesn't rely heavily on your credit score.
8. See about driving less. The probability of an accident is greater the more you drive. If you are a low mileage driver, see about getting an additional discount.
9. Give the same insurance company 2 insurance policies. Insurance companies usually offer several forms of insurance. Take bother your New York auto insurance quote and one for your home or life insurance and place them with the same insurance company for 10-20% in savings.
10. Military members get discounts. Any military member both past and present, can get New York auto insurance discounts from several companies.
Getting a cheap New York auto insurance quote is only a matter of research and taking the time to find out all of your options.
