How long have you put off shopping around for low-cost car insurance rates in Mineola, NY? I can't think of a single person who looks forward to paying premiums for car insurance, especially knowing they could get a better deal.
Unbelievable but true, the vast majority of New York car insurance customers kept their coverage with the same car insurance company for a minimum of four years, and about 40% of consumers have never compared car insurance rates at all. The average driver in the U.S. could save themselves up to $850 a year just by getting comparison quotes, but they feel it's too difficult to find cheap car insurance rates. Big companies like State Farm, Progressive and GEICO increase brand awareness with catchy ads and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.
Auto insurance companies offering low-cost rates in New York
The companies in the list below offer price quotes in New York. To locate cheap auto insurance in New York, it's a good idea that you get rates from several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Crew Cab 4WD||$650||$325||$54|
|Chevrolet Equinox LT AWD||$1,048||$524||$87|
|Chevrolet Malibu LTZ||$860||$430||$72|
|Chevrolet Silverado LT Extended Cab 2WD||$746||$373||$62|
|Dodge Ram Crew Cab Laramie 4WD||$1,282||$641||$107|
|Ford Escape XLS 2WD||$530||$265||$44|
|Ford F-150 Lariat Super Cab 4WD||$898||$449||$75|
|Ford Focus SEL 4-Dr Sedan||$650||$325||$54|
|GMC Sierra SLT Extended Cab 4WD||$750||$375||$63|
|Honda Accord LX-S 2-Dr Coupe||$798||$399||$67|
|Honda CR-V EX 2WD||$668||$334||$56|
|Honda Civic DX 2-Dr Coupe||$1,304||$652||$109|
|Mazda 3 S Grand Touring 4-Dr Hatchback||$770||$385||$64|
|Nissan Altima 3.5 SR 4-Dr Sedan||$752||$376||$63|
|Toyota Camry Hybrid||$798||$399||$67|
|Toyota Corolla XRS||$1,242||$621||$104|
|Toyota RAV4 Sport 4WD||$836||$418||$70|
|Volkswagen Jetta 2.0T Station Wagon||$718||$359||$60|
|Get Your Own Custom Quote Go|
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price information does not factor in specific Mineola garaging location which can raise or lower coverage rates considerably.
One of the more difficult decisions when buying car insurance is at what level do you set your deductibles. The comparisons below lay out the rate difference between low and high comp and collision deductibles. The first pricing table uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$178||$284||$226||$14||$68||$795||$66|
|Elantra Blue 4-Dr Sedan||$178||$406||$264||$16||$80||$969||$81|
|Elantra GLS 4-Dr Sedan||$204||$406||$264||$16||$80||$995||$83|
|Elantra SE 4-Dr Sedan||$204||$406||$264||$16||$80||$995||$83|
|Elantra SE Touring Station Wagon||$204||$344||$226||$14||$68||$881||$73|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$110||$178||$226||$14||$68||$596||$50|
|Elantra Blue 4-Dr Sedan||$110||$256||$264||$16||$80||$726||$61|
|Elantra GLS 4-Dr Sedan||$126||$256||$264||$16||$80||$742||$62|
|Elantra SE 4-Dr Sedan||$126||$256||$264||$16||$80||$742||$62|
|Elantra SE Touring Station Wagon||$126||$216||$226||$14||$68||$650||$54|
|Get a Quote for Your Vehicle Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate quotes do not factor in Mineola location which can influence prices substantially.
We can estimate from the data above that using a $250 deductible will cost in the ballpark of $19 more each month or $228 annually than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 39 months between claim filings, you would save money by selecting a higher deductible.
Driving violations and accidents
The information below illustrates how traffic citations and at-fault claims can impact Kia Optima annual premium costs for different ages of insureds. The rate quotes are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.
Earn discounts to get lower-cost Mineola car insurance quotes
Some insurance providers don't always advertise the complete list of policy discounts in a way that's easy to find, so the list below details both the well known and the more hidden credits available to you.
- Full Payment Discount - By making one initial payment rather than paying in monthly installments you can avoid the installment charge.
- Save over 55 - Seniors may qualify for better car insurance rates.
- Home Ownership Discount - Owning a house in Mineola can get you a discount since home ownership requires personal responsibility.
- Sign Early and Save - A few insurance companies offer discounts for switching policies before your current policy expires. It can save you around 10%.
- Accident Forgiveness - Not necessarily a discount, but a handful of insurance companies permit an accident without getting socked with a rate hike with the catch being you have to be claim-free prior to being involved in the accident.
- Low Mileage Discounts - Driving less could earn better premium rates on cars that stay parked.
- Professional Memberships - Being in certain professional organizations could qualify you for a break when getting a Mineola auto insurance quote.
- Good Student - Getting good grades can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
Please keep in mind that most credits do not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn't quite work that way.
Companies who may offer some of the discounts shown above may include but are not limited to:
If you want cheaper Mineola auto insurance quotes, ask each company what discounts are available to you. Some discounts listed above might not be available to policyholders in your state.
When should I discuss my situation with an agent?
Always keep in mind that when comparing the right insurance coverage, there isn't really a best way to insure your cars. Every insured's situation is different and a cookie cutter policy won't apply. Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.
- Is my teen driver covered when they drive my company car?
- Who is covered by my policy?
- Can I rate high risk drivers on liability-only vehicles?
- What is roadside assistance coverage?
- How high should my medical payments coverage be?
- Does having multiple vehicles earn me a discount?
- What happens if I owe more than my vehicle is worth?
- Should I put collision coverage on all my vehicles?
If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Can't I compare rates from local Mineola car insurance agents?
A lot of people just prefer to buy from a licensed agent and that can be a great decision Good agents are highly skilled in risk management and help submit paperwork. An additional benefit of getting free rate quotes online is you can get cheap insurance rates and still have an agent to talk to.
After completing this short form, the coverage information is immediately sent to companies in Mineola who will give competitive quotes and help you find cheaper coverage. You don't have to search for any insurance agencies because prices are sent to the email address you provide. If you want to get a rate quote from one company in particular, feel free to navigate to their website and fill out their quote form.
Choosing an insurance company should depend on more than just the quoted price. Here are some questions to ask:
- Did they already check your driving record and credit reports?
- Is there a local claims center in Mineola?
- Does the agency have a current Errors and Omissions policy?
- Is auto insurance their primary focus in Mineola?
- Are they properly licensed to sell insurance in New York?
Two types of Mineola car insurance agents
If you are wanting to find a reliable agent, you must know there are a couple different agency structures to choose from. Insurance agencies are categorized either exclusive or independent agents depending on their company appointments. Both types can do a good job, but it's a good idea to understand how they are different because it can influence the selection process.
Agents of this type can only place business with one company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are usually well trained on their company's products which helps them compete with independent agents.
Independent Insurance Agencies
Independent agencies are not restricted to one company and that enables them to quote your coverage with lots of companies and potentially find a lower price. If prices rise, an independent agent can move your coverage and you don't have to do anything. If you are trying to find cheaper rates, you definitely need to include rate quotes from independent agents to maximize your price options.
Save $445 a year? Really?
New York consumers can't escape the ads that claim the lowest prices by State Farm and Allstate. They all convey the message that you'll save big if you change your auto insurance coverage to their company.
How can each company make almost identical claims? It's all in the wording.
All the different companies quote the lowest rates for the type of driver they prefer to insure. A good example of this type of risk profile may be over the age of 50, insures multiple vehicles, and drives less than 7,500 miles a year. A driver who matches those parameters will get a cheap rate quote in Mineola and is almost guaranteed to save some money.
Potential insureds who do not fit these standards will have to pay higher premiums which usually ends up with the customer not buying. The trick companies use is to say "drivers that switch" not "everyone that quotes" will save that much if they switch. That's the way insurance companies can claim big savings. This illustrates why drivers should get as many free Mineola auto insurance quotes as possible. It's just not possible to know with any certainty which company will have the best premium rates at this point in time.
Persistence is the key to cheaper rates
In this article, we presented many ideas to find cheaper coverage online. The key thing to remember is the more times you quote, the better your comparison will be. Consumers may even find the lowest premium rates are with a lesser-known regional company. Some small companies often have lower prices on specific markets than their larger competitors like GEICO and State Farm.
Cheap car insurance in Mineola is available on the web in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide price quotes online and many times these smaller providers sell through independent agents.
More tips and info about car insurance is located at these sites:
- State Laws for Cellphones and Texting (iihs.org)
- Who Has the Cheapest New York Auto Insurance for Postal Workers? (FAQ)
- What is the Cheapest Car Insurance in Levittown, New York? (FAQ)
- What is the Cheapest Car Insurance in Buffalo, New York? (FAQ)
- What is the Cheapest Car Insurance in Tonawanda, New York? (FAQ)
- Who Has Cheap New York Car Insurance Quotes for a Ford Explorer? (FAQ)
- What Car Insurance is Cheapest in White Plains, New York? (FAQ)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Tools for Teen Driving Safety (State Farm)
- What Does No-Fault Insurance Cover? (Allstate)