Want a free price quotes on lower-priced insurance rates in Spring Valley, NY? Tired of being strong-armed to keep your car insured? Your situation is no different than most other vehicle owners in New York.

Regrettably, over 70% of consumers have been with the same company for over three years, and roughly 40% of drivers have never compared quotes from other companies. Most drivers in Spring Valley could pocket 45% a year just by getting comparison quotes, but they just don't understand the amount of savings they would get if they switch to a new company. There is such a variety of auto insurance companies to pick from, and even though it's nice to have multiple companies, having more insurance companies makes it harder to get the best deal.

You should make it a habit to do rate comparisons quite often because prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates on insurance at your last renewal you may be paying too much now. Block out anything you think you know about insurance because you're about to learn the best methods to save money, get proper coverage and the best rates.

Compare Spring Valley auto insurance rate quotes

Finding more affordable auto insurance rates doesn't have to be difficult. You just need to take time comparing rates to discover which company has inexpensive Spring Valley car insurance quotes.

It's so fast and easy to compare rates online that it makes it a waste of time to make phone calls or go to each insurance agency near you. Comparing auto insurance rates online makes this unnecessary unless you require the professional assistance of a local agent. If you prefer, some companies allow you to find lower rates online but have a local Spring Valley agent actually write the policy.

The companies in the list below are our best choices to provide price comparisons in Spring Valley, NY. To locate the cheapest auto insurance in New York, we suggest you get rates from several of them to find the cheapest auto insurance rates.

Insurance Estimates for Popular Vehicles in Spring Valley
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $632 $316 $53
Chevrolet Silverado Crew Cab Hybrid 4WD $1,224 $612 $102
Dodge Ram Crew Cab Sport 2WD $1,100 $550 $92
Ford Escape XLT 4WD $594 $297 $50
Ford F-150 Lariat Crew Cab Platinum 4WD $898 $449 $75
Ford Focus SES 4-Dr Sedan $852 $426 $71
Ford Fusion Sport AWD 4-Dr Sedan $1,074 $537 $90
Honda Accord EX-L 4-Dr Sedan $746 $373 $62
Honda CR-V LX 2WD $676 $338 $56
Honda Civic LX-S 4-Dr Sedan $906 $453 $76
Hyundai Sonata GLS 4-Dr Sedan $746 $373 $62
Mazda 3 I Touring 4-Dr Sedan $738 $369 $62
Nissan Altima Hybrid 4-Dr Sedan $658 $329 $55
Toyota Camry SE $766 $383 $64
Toyota Corolla S $766 $383 $64
Toyota RAV4 Limited 2WD $938 $469 $78
Get Your Own Custom Quote Go

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Estimates do not factor in specific Spring Valley garaging location which can raise or lower insurance rates noticeably.

Raise deductibles and save

When buying auto insurance, a common question is which deductible level should you buy. The data tables below may help to illustrate the premium difference of buying low and high insurance deductibles. The first data set uses a $100 physical damage deductible and the second data table uses a $500 deductible.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

GMC Acadia insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $198 $338 $264 $16 $80 $921 $77
Acadia SL AWD $228 $338 $264 $16 $80 $951 $79
Acadia SLE 2WD $228 $338 $264 $16 $80 $951 $79
Acadia SLE AWD $228 $412 $264 $16 $80 $1,025 $85
Acadia SLT 2WD $228 $412 $264 $16 $80 $1,025 $85
Acadia SLT AWD $258 $412 $264 $16 $80 $1,055 $88
Get a Quote for Your Vehicle Go
GMC Acadia insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $144 $228 $264 $16 $80 $732 $61
Acadia SL AWD $166 $228 $264 $16 $80 $754 $63
Acadia SLE 2WD $166 $228 $264 $16 $80 $754 $63
Acadia SLE AWD $166 $278 $264 $16 $80 $804 $67
Acadia SLT 2WD $166 $278 $264 $16 $80 $804 $67
Acadia SLT AWD $188 $278 $264 $16 $80 $826 $69
Get a Quote for Your Vehicle Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate quotes do not factor in your specific Spring Valley location which can decrease or increase rates considerably.

Using the data above, we can ascertain that using a $100 deductible costs approximately $17 more each month or $204 annually than quoting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 24 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

Spring Valley insurance costs by age and gender

The chart below illustrates the difference between insurance prices for male and female drivers in Spring Valley. The premiums assume no claims or driving violations, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are taken into consideration on a Hyundai Elantra SE Touring.

Hyundai Elantra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Safe drivers pay cheaper rates

The information below illustrates how speeding tickets and at-fault fender-benders raise Nissan Sentra yearly insurance costs for each age group. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

Lower-cost Spring Valley insurance rates with discounts

Car insurance is not cheap, but you may qualify for discounts that can help lower your rates. Larger premium reductions will be automatically applied when you complete an application, but some must be asked about before they will apply.Insurance discounts

It's important to understand that most discount credits are not given to the entire cost. Most cut individual premiums such as liability, collision or medical payments. Despite the appearance that you can get free auto insurance, it just doesn't work that way.

Some companies who may offer some of the discounts shown above possibly include:

When getting free Spring Valley car insurance quotes, it's a good idea to all companies you are considering which discounts they offer. Some of the earlier mentioned discounts may not be offered in every state. To see insurance companies that have a full spectrum of discounts in New York, click here to view.

Buying the right vehicle insurance in New York is an important decision

Despite the high cost, insuring your vehicle may be required and benefits you in several ways.

The benefits of having auto insurance outweigh the cost, especially when you need to use it. But the average American driver overpays as much as $700 annually so you should quote your policy with other companies at least once a year to make sure the price is not too high.