How many times have you put off comparing quotes for more affordable car insurance rates in Beacon, NY? Did you make the mistake of buying an expensive car insurance policy? It's quite common and you're not alone.

A recent study showed that the vast majority of consumers have bought car insurance from the same company for well over three years, and 38% of customers have never even compared quotes to find cheap rates. Many drivers in Beacon can cut their rates by as much as 45% a year by just comparing rate quotes, but they don't want to spend time to shop their coverage around. Numerous insurers battle for your insurance dollar, so it's not easy to compare every insurance company to find the absolute best rate on car insurance.

The quickest way to compare insurance rates in your area is to realize car insurance companies allow for online access to provide you with a free rate quote. All consumers are required to do is give them rating details such as how much school you completed, whether you have decent credit, if it has an anti-theft system, and driver ages. The rating information gets transmitted to all major companies and you should receive rate quotes instantly to find the best rate.

To start a quote now, click here then complete the form.

The companies shown below provide price quotes in Beacon, NY. If multiple companies are listed, we recommend you click on several of them to get the most affordable price.

Insurance Estimates for Popular Vehicles in Beacon
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $778 $389 $65
Chevrolet Silverado LTZ Extended Cab 4WD $736 $368 $61
Dodge Grand Caravan Hero $700 $350 $58
Dodge Ram Quad Cab ST 4WD $870 $435 $73
Ford Escape XLS 4WD $694 $347 $58
Ford Explorer Limited 4WD $1,166 $583 $97
Ford F-150 Lariat Crew Cab 4WD $910 $455 $76
Ford Focus SES 2-Dr Coupe $1,034 $517 $86
Ford Fusion Hybrid 4-Dr Sedan $1,010 $505 $84
Honda Accord LX 4-Dr Sedan $770 $385 $64
Honda CR-V LX 4WD $598 $299 $50
Honda Civic DX 2-Dr Coupe $952 $476 $79
Jeep Wrangler Sport Islander Package 4WD 2-Dr $866 $433 $72
Kia Optima LX $756 $378 $63
Mazda 3 I Touring 4-Dr Sedan $870 $435 $73
Nissan Altima Hybrid 4-Dr Sedan $842 $421 $70
Toyota Camry SE $1,214 $607 $101
Toyota Corolla S $662 $331 $55
Toyota Prius $1,010 $505 $84
Volkswagen Jetta SEL 4-Dr Sedan $1,148 $574 $96
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in specific zip code location which can revise premium rates significantly.

Car insurance deductibles

The information below highlights how deductible selection and can change Toyota Camry insurance prices for different age categories. The costs are based on a single female driver, comp and collision included, and no additional discounts are factored in.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Cautious drivers save money

The information below shows how speeding tickets and accidents drive up Chevrolet Silverado car insurance costs for different categories of driver ages. The premium estimates are based on a married male driver, full coverage, $100 deductibles, and no policy discounts are applied.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Beacon insurance costs by age and gender

The diagram below shows the comparison of premium costs for male and female drivers in Beacon. The information is based on no accidents or driving violations, full coverage, $250 deductibles, marital status is single, and no policy discounts are applied on a Toyota Camry SE.

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

Which is the best auto insurance?

When it comes to the best auto insurance coverage for your vehicles, there really isn't a single plan that fits everyone. Coverage needs to be tailored to your specific needs.Safe vehicles cost less to insure

For instance, these questions may help you determine whether or not you would benefit from professional advice.

If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you don't have a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance agents are professional risk managers

Many drivers would prefer to talk to an insurance agent and we recommend doing that Agents will help you protect your assets and will help you if you have claims. A good thing about getting online price quotes is the fact that drivers can get cheap insurance quotes but still work with a licensed agent. And supporting neighborhood insurance agencies is definitely important in Beacon.

Upon completion of this short form, the quote information is sent to local insurance agents in Beacon who want to provide quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies as quotes are delivered to the email address you provide. In the event you want to quote rates from a particular provider, just go to their quote page and fill out their quote form.

When finding a good insurance agency, you need to know there are two different types of agents and how they function. Insurance agencies in Beacon can either be exclusive or independent. Either type can insure your vehicles properly, but it's good to learn how they are different because it can factor into buying decisions.

Independent Insurance Agents

Agents that choose to be independent do not work for one specific company and that gives them the ability to insure amongst many companies and potentially find a lower price. To transfer your coverage to a different company, they simply switch companies in-house and you won't have to switch agencies.

When comparing rates, we recommend you get several quotes from multiple independent agents to ensure the widest selection of prices.

Exclusive Insurance Agencies

Exclusive agencies have only one company to place business with and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to provide other company's prices so if the price isn't competitive there isn't much they can do. Exclusive agencies receive a lot of sales training on their company's products and that allows them to sell at a higher price point.

Selecting a car insurance agent should depend on more than just the quoted price. These are some valid questions you should ask.

Claim statistics by make and model

Is your vehicle likely to have claims? The following tables show the worst and best cars and trucks for overall likelihood of having claims for each type of coverage listed.

Medical Payment Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Audi A4 Allroad Chrysler 200
Land Rover Range Rover Sport Nissan Versa
Ford F-250 SuperCrew Kia Forte
Chevrolet Silverado 3500 Chevrolet Spark
Ford Expedition Hyundai Accent
Chevrolet Corvette Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler BMW 6 Series
GMC Canyon Audi RS7
Nissan Xterra Maserati Granturismo
Ford Edge Maserati Ghibli
Chevrolet Colorado Bentley Continental Flying Spur
Smart ForTwo Ferrari 458

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Ford F-350 Bentley Continental GTC
Volvo V60 Maserati Quattroporte
Nissan Leaf Maserati Granturismo
Smart ForTwo Mercedes-Benz S Class
Chevy Spark BMW M6
Infiniti QX50 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Car Insurance Liability Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Subaru Forester Mitsubishi Lancer
Volvo XC60 Chevrolet Cruze
Mercedes-Benz SL Class Chevrolet Impala
Acura MDX Mitsubishi Mirage
Subaru Outback Kia Rio
Audi A6 Chrysler 200

Statistics from IIHS.org for 2013-2015 Model Years