Having to pay for high-priced auto insurance in Rome can sap your bank account and possibly require postponing other expenditures. Doing a rate analysis is free and is an excellent way to ensure you are getting the best deal.

Unbelievably, the vast majority of consumers renewed their policy with the same company for at least four years, and about 40% of consumers have never compared rates with other companies. With the average premium in New York being $1,940, drivers could pocket approximately 45% a year just by comparing rates, but most tend to underestimate the big savings they would realize if they switched. Due to the increasing number of online and local companies to choose from, it can be challenging to find the cheapest auto insurance company.

Finding the cheapest coverage in Rome is much easier if you have a good place to start. If you have insurance now, you will surely be able to get lower rates using the ideas presented in this article. Vehicle owners just have to understand the most efficient way to buy insurance from many different companies.

Getting cheaper auto insurance pricing is surprisingly easy. The only requirement is to spend a few minutes on the computer comparing rates provided by online insurance companies.

Comparing free rates online is easy and it, replaces the need to go to different Rome agent offices. Comparing online rate quotes eliminates the need for an insurance agent unless your situation requires the peace of mind only provided by licensed Rome agents. Although you can get prices online but have your policy serviced through an agent.

The companies in the list below provide free rate quotes in Rome, NY. If multiple companies are listed, it's a good idea that you click on several of them to find the most competitive auto insurance rates.

Insurance Rates for Popular Vehicles in Rome
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $922 $461 $77
Chevrolet Silverado LT Extended Cab 4WD $836 $418 $70
Dodge Grand Caravan CV $774 $387 $65
Dodge Ram Crew Cab SLT 2WD $894 $447 $75
Ford Escape XLS 2WD $890 $445 $74
Ford F-150 Lariat Super Cab 2WD $898 $449 $75
Ford Focus SES 2-Dr Coupe $902 $451 $75
Honda Accord EX 2-Dr Coupe $888 $444 $74
Honda CR-V LX 2WD $852 $426 $71
Honda Civic Hybrid 4-Dr Sedan $736 $368 $61
Honda Odyssey EX W/Rear Entertainment $684 $342 $57
Hyundai Elantra SE Touring Station Wagon $760 $380 $63
Kia Optima LX $792 $396 $66
Mazda 3 I Sport 4-Dr Sedan $822 $411 $69
Nissan Altima 2.5 S 2-Dr Coupe $1,020 $510 $85
Toyota Camry LE $778 $389 $65
Toyota Corolla LE $736 $368 $61
Toyota Tacoma Double Cab 4WD $922 $461 $77
Volkswagen Jetta S 4-Dr Sedan $836 $418 $70
Get Your Own Custom Quote Go

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific garaging location which can increase or decrease premium rates significantly.

Drive safe and save

The diagram below highlights how traffic violations and accidents impact Nissan Altima insurance prices for different age groups of insureds. The rates are based on a single male driver, full coverage, $250 deductibles, and no additional discounts are factored in.

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

Physical damage deductibles: Should you raise them?

The chart below demonstrates how deductible levels and can affect Honda Accord annual premium costs for different age groups of insureds. Data assumes a married male driver, full coverage, and no discounts are applied to the premium.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Affordable Rome insurance rates with discounts

Companies that sell car insurance don't necessarily list all available discounts in a way that's easy to find, so we researched both well-publicized and also the lesser-known insurance savings.Cheaper insurance with discounts

Remember that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it's possible to get free car insurance, insurance companies wouldn't stay in business. Any amount of discount should help reduce the amount you have to pay.

A few companies that may offer these discounts possibly include:

Double check with every company how you can save money. Some of the discounts discussed earlier might not be offered in Rome.

Compare rates but buy from a local Rome insurance agent

Some consumers just prefer to go talk to an agent and that is not a bad decision Professional insurance agents can make sure you are properly covered and help submit paperwork. The biggest benefit of comparing rates online is the fact that you can find the lowest rates and still have an agent to talk to.

Insurance agency in RomeAfter filling out this simple form, your information is emailed to local insurance agents who will give you bids for your insurance coverage. You won't even need to contact an agency because quoted prices will be sent to the email address you provide. If for some reason you want to get a price quote from one company in particular, just jump over to their website to submit a rate quote request.

Choosing an insurance company needs to be determined by more than just the price. Any agent in Rome should be forthright in answering these questions:

After talking to the agent and getting good answers to these questions and a good coverage price, most likely you have located an insurer that is professional and can properly service your insurance policy.

Save Money with these tips

Multiple criteria are taken into consideration when quoting car insurance. Some factors are common sense such as traffic violations, but some are less obvious such as your credit history or your commute time.

Why you need insurance for your vehicle

Even though rates can get expensive, buying insurance may not be optional for several reasons.

The benefits of insuring your vehicle outweigh the cost, especially for larger claims. But the average driver in New York overpays as much as $869 every year so compare quotes from several companies at every renewal to be sure current rates are still competitive.

A little work can save a LOT of money

Lower-priced car insurance in Rome is definitely available both online in addition to many Rome insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer online quoting and many times these small, regional companies provide coverage only through independent agents.

When searching for cheaper Rome car insurance quotes, don't be tempted to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.

Additional detailed information can be found in these articles: