Best Cheap Auto insurance Quotes in NY
When you are looking into auto insurance it is always wise to look for their insurance quotes. This provides one with a comprehensive view of how much one needs to pay and how much you would have to pay for it monthly. Auto insurance companies often provide different quotes and it is wise to do a little research first on what is available in the field before putting ones marbles into a basket. Else they might regret and find out in the end that they could have saved money if only they had chosen another company.Auto insurance quotes often widely differ. There are several factors that companies consider for pricing their auto insurance package. Some of the more potent factors that one may need to consider too when one is scouting for the right quotes are as follows: (1) location, (2) personal information and (3) season.
Location, location, location
As with any business, the location plays a pivotal role in determining the auto insurance quote trends. The range of quotes from one state may differ from another, such that if you live New York, Washington or New Jersey, you cannot expect the same rates in quotes as in Wyoming, Maine or Iowa. Usually the more crowded the state, one can expect higher quotes. This is because there is an increase in the volume of traffic and therefore an increase in the probability of vehicular accidents. Ironically, the polar opposite of that situation, given if one is leaving the remote or secluded areas this may also result in higher rates still. The premise of the increase changes however and this time the difficulty in getting medical help adds to the charge. The higher the crime rating in an area, the more you may expect too that the rates for car insurance may be higher since more people would want to insure their car. Bearing these in mind, one must factor in their location when assessing for their auto insurance quotes and rates.
When applying for auto insurance, your personal information may also be taken into consideration and may affect your insurance quote. Factors like age, salary, credit score, debit score and the like play a great factor and are taken into ample consideration when auto insurance companies look at you. It is therefore best to consider not just what you are looking for when scouting for the best quotes, but also at the back of your mind, think about how you are presenting yourself to the companies. Try to make sure that you have polished off the frays and threads of previous debts and settle possible previous altercations and legal settlements when applying. A bit of foresight of what they are looking for may arm you in the event that they dig in your closet and sniff out your skeletons.
From the time that you purchase a car to the time that you acquire auto insurance is critical. The common trend is that new cars are priced higher, but a way to battle that is to scout early on about which car to buy and how much it would fare into insurance. Buying cars with more secure safety features also qualify for some major discounts in the insurance. The key therefore is to look into not only the insurance company but also on the auto company and take advantage of their seasons especially their releases of vehicles.
Cheapest for good drivers
Geico offered the best car insurance rate for good drivers in New York in our analysis, with an average price of around $88 per month. Travelers and Progressive were the next cheapest options, respectively.
If you have a clean driving record, you can push your rates even lower by making sure you get the discounts you’re entitled to, such as a claim-free discount for steering clear of accidents for an extended time period.
Cheapest for young drivers
Young drivers tend to need less coverage than motorists with families or greater savings to protect, a factor that we included in our analysis.
Geico notched by far the cheapest average rates for drivers in their early 20s, at roughly $48 a month, followed by Travelers and New York Central Mutual Fire. If you’re under 25, still in school and have a B average or better, ask your insurer or agent about a good student discount to trim rates even more.
Cheapest for drivers with one at-fault crash
Causing an accident typically triggers a price increase at renewal time. The severity of the rate hike depends on the insurer. Geico’s average cost for this group — which was the cheapest we found — was roughly $200 a year higher than the company’s rate for drivers of the same age with no accidents.Even if you have a blemished driving record, resist the urge to settle for the first quote you get. One insurer we sampled had rates near $5,000 a year, proving there’s plenty of room to save by shopping around.
Cheapest for drivers with poor credit
Having poor credit can prevent you from getting the cheapest car insurance in New York when you buy your policy.
However, each insurer has its own approach for covering drivers with credit problems, so it pays to shop around. For example, Progressive, which had the lowest average quote in our test, returned the same rates for this group as it did for drivers of the same age with no credit issues.
Cheapest for retired drivers
Even though auto insurance rates can climb with age, retirees can typically get a relatively good deal thanks to their reduced time behind the wheel. For example, we looked at rates for drivers in their 60s who travel half as much as our other groups. The cheapest New York car insurance quote we found was from Geico at roughly $71 a month. This was cheaper than the company’s rate for drivers half that age who face a daily commute.Article Source: http://EzineArticles.com/5646139, www.nerdwallet.com/blog/insurance/cheapest-car-insurance-in-new-york-ny/