Would you like to stop overpaying and find cheaper insurance rates in Garden City, NY? Finding the cheapest insurance for a new or used car in New York can be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to compare insurance rates and we'll show you the proper way to price shop coverage for a new or used and locate the lowest price either online or from Garden City insurance agents.

Consumers should take time to get comparison quotes every six months because prices trend upward over time. Even if you think you had the lowest rates on insurance on your last policy there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance because you're about to find out one of the quickest ways to buy cheaper insurance.

Choosing the most cost-effective insurance policy in Garden City is really not that difficult. If you already have coverage or are looking for a new policy, take advantage of these tips to shop for the lowest rates without reducing protection. Shoppers just need to understand the most efficient way to quote multiple rates on the web.

The following companies are our best choices to provide comparison quotes in Garden City, NY. To locate the best car insurance in New York, we suggest you visit two to three different companies to find the lowest car insurance rates.

Insurance Estimates for Popular Vehicles in Garden City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 4WD $736 $368 $61
Dodge Grand Caravan SXT $1,078 $539 $90
Dodge Ram Crew Cab Laramie 2WD $942 $471 $79
Ford Escape XLT 4WD $686 $343 $57
Ford Explorer Eddie Bauer 2WD $752 $376 $63
Ford F-150 Lariat Crew Cab Platinum 4WD $1,036 $518 $86
Ford Focus SEL 4-Dr Sedan $870 $435 $73
Ford Fusion Sport AWD 4-Dr Sedan $928 $464 $77
GMC Sierra SLT Crew Cab 4WD $1,074 $537 $90
Honda Accord EX-L 4-Dr Sedan $820 $410 $68
Honda CR-V EX 4WD $682 $341 $57
Honda Civic LX 2-Dr Coupe $950 $475 $79
Jeep Grand Cherokee Laredo 2WD $694 $347 $58
Mazda 3 S Sport 4-Dr Sedan $974 $487 $81
Nissan Altima 3.5 SR 2-Dr Coupe $838 $419 $70
Toyota Camry LE $940 $470 $78
Toyota Corolla XRS $1,004 $502 $84
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $728 $364 $61
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in your specific Garden City location which can influence price quotes significantly.

Should you buy full coverage?

The example below visualizes the comparison of Honda Civic annual premium costs with liability coverage only compared to full coverage. The data is based on no claims or driving violations, $100 deductibles, married female driver, and no additional discounts are factored in.

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

Should you be buying full coverage?

There is no exact rule of when to stop paying for physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.

For example, let's assume your Honda Civic replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after paying your deductible. If you are paying over $600 annually for physical damage coverage, then you might want to consider buying only liability coverage.

There are a few situations where removing full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

How careless driving impacts Garden City auto insurance rates

The information below illustrates how traffic citations and at-fault fender-benders raise Hyundai Sonata insurance prices for each different age category. The data assumes a single male driver, full coverage, $100 deductibles, and no discounts are applied.

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

Affordable rates by applying discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but some may not be applied and must be specially asked for before they will apply.Save money with discounts

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, that's just not realistic. Any amount of discount will bring down your policy premiums.

To find insurance companies who offer cheap car insurance quotes in Garden City in New York, click here.

Smart buyers know how to buy auto insurance for less

Many factors are part of the equation when quoting car insurance. A few of the factors are predictable like an MVR report, but others are more transparent like your continuous coverage or how financially stable you are.

The factors shown below are a few of the things that factor into prices.

Liability insurance safeguards assets - The liability coverage on your policy will provide protection when you are determined to be liable for causing damage or personal injury in an accident. This coverage provides for a legal defense starting from day one. This coverage is relatively inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Avoid unnecessary incidental coverages - There are many extra add-on coverages that sound like a good idea at the time if you aren't diligent. Insurance for things like replacement cost coverage, high-cost glass coverage, and membership fees are examples of these. They may sound like good ideas initially, but your needs may have changed so get rid of them and save.

Stay claim-free and save - If you are a frequent claim filer, don't be surprised to see much higher rates or policy non-renewal. Car insurance companies in New York give the best rates to drivers who are not frequent claim filers. Your car insurance is designed for the bigger claims that can't be paid out-of-pocket.

Insurance rates and vehicle performance - The performance of the car you own makes a huge difference in your premium level. The lowest base rates are usually for lower cost passenger vehicles, but other factors influence the final cost greatly.

GPS tracking and theft deterrents lowers prices - Owning a car with an alarm system can help bring down rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all hinder vehicle theft.

What are your deductibles? - Physical damage protection, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Examples of covered claims are a windshield shattered by a rock, collision with an animal, or theft. The deductibles you choose define the amount you are required to pay before a claim is paid by your company. The more expense you choose to pay out-of-pocket, the lower your rates will be.

Experienced drivers pay less - Drivers with little experience are statistically proven to be easily distracted with other occupants in the car so auto insurance rates are higher. Adding a teenage driver onto your auto insurance can increase premiums substantially. Older drivers are more cautious drivers, statistically cause fewer accidents, and are generally more financially stable.

Tickets and citations cost more than a fine - Even a single citation can increase the cost of insurance substantially. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Drivers who have gotten serious citations like reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.

Insurance agents are trained to help

A small number of people still prefer to buy from a local agent and that is recommended in a lot of cases Professional agents are highly skilled in risk management and will help you if you have claims. The biggest benefit of comparing rate quotes online is you may find the lowest rates and also buy local.

Garden City insurance agentsOnce you complete this form (opens in new window), your insurance coverage information is submitted to local insurance agents in Garden City who want to provide quotes and help you find cheaper coverage. You never need to find an agent on your own because prices are sent directly to your email. If you want to get a rate quote from a particular provider, you can always go to their quote page and submit a quote form there.

Choosing the best company requires you to look at more than just a cheap price quote. These are some valid questions you should ask.

Different types of Garden City auto insurance agents

If you want to buy insurance from a reliable insurance agent, you need to know there are two different types of agencies and how they are slightly different. Insurance agencies can be described as either independent or exclusive depending on the company they work for. Either can write policy coverage, but it is a good idea to know the differences because it can influence the type of agent you choose.

Exclusive Insurance Agencies

Exclusive insurance agents can only quote rates from one company such as AAA, Allstate, and State Farm. Exclusive agents cannot shop your coverage around so it's a take it or leave it situation. Exclusive insurance agents receive extensive training on their company's products which helps them sell on service rather than price. Some insured continue to purchase coverage from exclusives mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

Independent Agencies or Brokers

Independent agencies can quote rates with many companies and that gives them the ability to insure through many different insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you don't have to switch agencies.

When comparing rates, we highly recommend that you compare prices from a few independent agents to ensure the widest selection of prices. A lot of them also have access to additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.

Which is the best insurance?

When it comes to buying the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone's needs are different and your insurance should unique, too.Drive safe and save For example, these questions might help in determining if you might need professional guidance.

If you're not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and you can get the answers you need.

Insurance losses by coverage

Which vehicles statistically have the fewest claims? The claim statistics below show the highest and lowest vehicles for overall likelihood of filing claims for each type of coverage listed.

Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 BMW M6
Nissan Leaf Bentley Continental GT
Chevy Silverado 2500 Maserati Quattroporte
GMC Sierra 2500 Mercedes-Benz S Class
Ford F-350 Porsche Panamera GTS
Nissan Xterra BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Mercedes-Benz SL Class Dodge Charger
Chevrolet Corvette Kia Rio
Acura MDX Mitsubishi Lancer
Volvo XC60 Hyndai Accent
Fiat 500 Chevrolet Cruze
Subaru Forester Chevrolet Impala

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Hyundai Accent
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 2500 Chevrolet Sonic
Audi A4 Allroad Kia Forte
Tesla Model S Mitsubishi Mirage
Land Rover Range Rover Sport Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Insurance Claims
Lowest Claim Amount Highest Claim Amount
GMC Canyon Nissan GT-R
Nissan Xterra BMW 6 Series
Mini Cooper Maserati Ghibli
Smart ForTwo BMW M6
Ford Edge Bently Continental GTC
Ford F-250 SuperCab Bently Continental GT

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Save $423 a year. For real?

Consumers in New York can't get away from all the ads for insurance savings from the likes of State Farm, GEICO and Progressive. All the ads make the point about savings just by moving your insurance policy to them.

How is it plausible that every one can charge you less for car insurance? It's all in how they say it.

All companies have underwriting criteria for the type of customer that earns them the highest profit. A good example of a profitable risk profile may need to be a female over age 40, owns a home, and has excellent credit. Any person that matches those criteria will probably get the lowest prices and is almost guaranteed to save a lot of money.

Drivers who are not a match for these criteria may receive higher premiums which results in the customer buying from someone else. The ad wording is "customers who switch" not "all people who quote" save that kind of money. This is how insurance companies can make it sound like they have such great prices. This really drives home the point why you really need to get Garden City car insurance quotes as often as possible. It is impossible to predict with any certainty which company will provide you with the cheapest insurance in Garden City.

Persistence is the key to cheaper rates

While you're price shopping online, don't be tempted to buy less coverage just to save a little money. There have been many situations where someone dropped collision coverage only to regret at claim time that it was a big error on their part. The aim is to find the BEST coverage at an affordable rate, but don't skip important coverages to save money.

In this article, we covered many ways to save on auto insurance in Garden City. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Drivers may even discover the biggest savings come from a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Some auto insurance companies may not provide online rate quotes and usually these regional carriers only sell through independent agents. More affordable auto insurance in Garden City can be bought on the web and from local agencies, so you should compare both in order to have the best chance of saving money.

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