When its time to get New York car insurance quotes most of us shudder because we feel out of our element. Most of us have never reviewed our policies, mostly because we think its too hard to understand. In the back of our minds, we think that only professionals are able to understand the terminology, the jargon, the technical terms. We are afraid we might be in over our heads and that makes us vulnerable to overbuying or underbuying simply because we have not done our research.
Most drivers know the law and what coverage we are required by law to carry. We also must carry proof that we are insured with us when were in the car, because any police officer can ask us to present it.
But even though there are legal requirements there is a degree of flexibility in what extra coverage you might want to carrythat might be smart to carry, depending on your circumstances. Everyones different, so what your neighbor or brother gets may not apply to you. What does apply, though, is the need to get a good deal, to be able to afford this additional bill. Who doesnt want a deal?
How did your parents originally obtain their insurance? Was it through a family friend? Your brother-in-law? Someone they knew? Thats the way it used to be. You assumed you were getting a fair deala good deal was probably too much to ask for. Back in the day, there were fewer options. But its different today.
These days much of the business is online, which gives you an opportunity to cast your net far and wide to ensure you get just what you want and at a good price to boot. Today theyre free online comparison tools that are much easier and can be done with a simple keystroke or two. Plus you can find out what your options are much more easily, and that includes discounts. Yes, when you go to get New York car insurance quotes, checking into discounts is a must.
So lets demystify the process and go through some helpful tips.
Your car matters
The smart consumer checks into the cost of insurance before they buy a vehicle so that they arent surprised. Is that your habit?
The first thing you want to know is that there is such thing as a new car discount. Thats right. Some companies will lower your rate if your car is new. While youd expect an old junker to be cheaper to insure in many case that is not the case. The reason is simple: safety. Safety is number one to insurance companies and its because safety features mean fewer accidents, fewer accidents mean fewer claims and fewer claims cost them less money. It is a simple equation.
That is why it behooves insurers to discount premiums if a vehicle is tricked out with safety featuresboth active and passive.
Passive safety means that no one has to do a thing for the feature to work and they normally protect you AFTER an accident. Like air bags, which are now standard on newer vehicles. Back in the day there were passive seat belts that clipped around you when you shut your door. You didnt have to click, it was automatic. Other safety features are anti-lock brakes. Assisted braking. Rear-view cameras. Blind spot indicators. Find out what safety features your car has and check to see if you can get credit on your premium because of them.
Expect your rates to be a bit higher if you own a Honda Accord or Civil, as they are stolen most often. The frequency with which they are seen on the road are an indicator of their popularity and thieves know that.
Have been accident-free? Is your claims history clean? Your rates may reflect that good record. Check with your carrier.
Bundling coverage
If you group coverages together under one provider, its called bundling. And if you bundle different kinds of insurance you may find a lower rate on all your coverage. It is worth checking out.
At the same time, new customers can also be discounted. Check that out, too! It depends on what each insurer wants to discount.
Discounted New York car insurance quotes
Some discounts are almost obscure. For example, did you know that your credit score counts in how your premium is calculated? And had you ever heard of a Good Student discount? Well, if youve got a teen driver, you know how costly insuring them can be. Hope he or she qualifies as a good student! There is also a Safe Driver discount and one you get simply by owning your own home. Most people have never heard of these, but they do exist and if you qualify, you need to factor them in.
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