Want a free price quotes on cheaper car insurance rates in Mount Vernon, NY? Tired of trying to scrape together enough money to pay your car insurance bill each month? You're in the same situation as many other New York drivers.

Amazingly, a recent NerdWallet.com study showed that nearly 70% of customers have remained with the same car insurance company for over three years, and just short of a majority have never even shopped around for affordable coverage. Mount Vernon drivers could save nearly $840 each year just by getting comparison quotes, but most tend to underestimate how much they could save if they swap their current policy for a cheaper one.

Due to the large number of companies and agents to choose from, it can be hard to pick the most affordable insurer.

To find the best car insurance rates, there are several ways to compare quotes from many different New York insurance companies. The simplest method to find cheaper rates is simply to get online rate quotes.

It's so fast and easy to compare price quotes online that it makes it a waste of time to physically go to local Mount Vernon insurance agencies. The ability to get quotes online makes this process obsolete unless you want the professional advice of an agent trained in personal lines coverage. If you prefer, some companies allow you to get prices online but have your policy serviced through an agent. Just keep in mind that quoting more helps you find a lower rate. Not every company does quotes over the internet, so you need to compare rates from them, too.

The providers in the list below can provide comparison quotes in New York. If you want cheap car insurance in New York, we suggest you get rate quotes from several of them to find the cheapest car insurance rates.

Insurance Rates for Popular Vehicles in Mount Vernon
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ 2WD $876 $438 $73
Chevrolet Impala LTZ $738 $369 $62
Chevrolet Malibu Hybrid $1,030 $515 $86
Chevrolet Silverado Crew Cab Hybrid 2WD $832 $416 $69
Dodge Ram Quad Cab ST 4WD $1,114 $557 $93
Ford Escape XLT 2WD $870 $435 $73
Ford Explorer Limited AWD $820 $410 $68
Ford F-150 STX Super Cab 4WD $1,010 $505 $84
Ford Focus SE 2-Dr Coupe $1,160 $580 $97
Honda Accord EX 2-Dr Coupe $1,134 $567 $95
Honda CR-V EX-L 4WD $698 $349 $58
Honda Civic VP 4-Dr Sedan $822 $411 $69
Hyundai Elantra Blue 4-Dr Sedan $752 $376 $63
Jeep Wrangler Unlimited Sport 2WD 4-Dr $772 $386 $64
Nissan Altima Hybrid 4-Dr Sedan $1,018 $509 $85
Toyota Camry SE $738 $369 $62
Toyota Corolla XRS $1,128 $564 $94
Toyota Tacoma Double Cab 4WD $1,138 $569 $95
Get Your Own Custom Quote Go

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in specific garaging location which can lower or raise rates significantly.

Should you buy full coverage?

The information below visualizes the comparison of GMC Acadia yearly insurance costs with and without full coverage. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, single male driver, and no discounts are applied.

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

When to stop buying full coverage

There is no exact formula for phasing out full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's say your GMC Acadia replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after the policy deductible has been paid. If premium cost is more than $600 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some conditions where dropping full coverage is not in your best interest. If you haven't satisfied your loan, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Tailor your insurance coverage to you

When it comes to choosing a policy, there really isn't a cookie cutter policy. Each situation is unique.Insurance savings

For example, these questions may help you determine whether your personal situation might need an agent's assistance.

If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.