Shopping Around for Car Insurance in New York

New York is notorious for having some of the highest car insurance rates in the country. However, if people put their creative minds to work, they will find that they can save money in a number of ways where their car insurance is concerned. The insurance department in New York has more than 250 insurers on file that service people across the state. This is great news for consumers, because insurance companies will be competing to give people the best rates they can so that they can gain their business, even though premiums in the state are above average.

Ways to Save Money on Car Insurance
Saving money on car insurance can be done if you keep a few things in mind. The first thing you should do is to shop around. Rates can vary from one company to the next, so this is important. You could save a ton of money just by doing comparison checks. If you use an online site to compare insurance companies, then you can do this quickly by only filling in one form. The computer database will then send you back quotes from several different insurance companies in New York, based on the information that you selected on the form. People should get at least four quotes before settling on any particular insurance company. New York state law has minimum guidelines set as to what coverage amounts people must have under state law. People will need to keep this in mind when they are getting quotes. Most insurance companies will give you a rundown of what is required when you seek out their services.

Getting More Than the Minimum is Essential
You need to keep in mind that the amounts that you will be quoted are the basic minimums, so you might want to get additional insurance in order to be fully protected. It is better to be safe than to be sorry where insurance is concerned. If you live in the Long Island area, you will have access to many different auto insurance Long Island companies. This is a lucrative area, so insurance agencies are abundant. Make sure you ask the agent if they offer multi-policy discounts, because you may be able to save on your car insurance if you also insure other things such as your home with the company. You can also get your insurance premiums lower by taking higher than the standard deductible amounts. Your agent should be able to give you a list of every type of discount that they offer to get the rates lower. In some cases they will give rate cuts to non-smokers, people over a certain age, people with good credit scores, and people who have a good driving record as well.

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