Are you at wits end from sacrificing to buy insurance? You are in the same boat as many other New York drivers.

A recent insurance study discovered that a large majority of drivers kept their policy with the same company for well over three years, and nearly half have never quoted rates to find lower-cost coverage. With the average insurance premium being $1,847, American drivers can save hundreds of dollars each year just by getting comparison quotes, but they don't believe the benefits if they replace their high priced policy.

Because you have many insurance companies to choose from, it is very difficult to choose a lower cost insurer.

Best companies for New York car insurance

The companies in the list below are ready to provide price quotes in Rockville Centre, NY. If you want the best cheap car insurance in New York, we suggest you get rates from several of them in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Rockville Centre
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $922 $461 $77
Chevrolet Silverado LTZ Extended Cab 4WD $770 $385 $64
Dodge Grand Caravan SE $762 $381 $64
Dodge Ram Crew Cab TRX 4WD $946 $473 $79
Ford Escape XLS 2WD $706 $353 $59
Ford F-150 FX2 2WD $742 $371 $62
Ford Focus SE 2-Dr Coupe $888 $444 $74
Ford Fusion Hybrid 4-Dr Sedan $1,022 $511 $85
GMC Sierra SLE Regular Cab 2WD $916 $458 $76
Honda Accord EX 4-Dr Sedan $682 $341 $57
Honda CR-V EX 2WD $752 $376 $63
Honda Civic EX 4-Dr Sedan $812 $406 $68
Honda Odyssey EX-L W/Navigation $1,102 $551 $92
Hyundai Elantra GLS Touring Station Wagon $738 $369 $62
Hyundai Sonata GLS 4-Dr Sedan $956 $478 $80
Jeep Grand Cherokee Laredo 4WD $700 $350 $58
Nissan Altima 2.5 S 4-Dr Sedan $878 $439 $73
Toyota Camry XLE $646 $323 $54
Toyota Corolla XLE $1,110 $555 $93
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Information does not factor in specific Rockville Centre garaging location which can impact rates greatly.

Choosing deductibles

One frequently asked question is which comprehensive and collision deductibles to buy. The tables below approximate how much more rates are of buying low and high physical damage deductibles. The first pricing table uses a $250 deductible and the second rate chart uses a $500 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $178 $344 $264 $16 $80 $907 $76
Focus SE 4-Dr Sedan $178 $344 $264 $16 $80 $907 $76
Focus SEL 4-Dr Sedan $178 $406 $264 $16 $80 $969 $81
Focus SES 4-Dr Sedan $178 $406 $264 $16 $80 $969 $81
Focus SE 2-Dr Coupe $204 $406 $300 $18 $90 $1,043 $87
Focus SES 2-Dr Coupe $204 $406 $300 $18 $90 $1,043 $87
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Ford Focus insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $144 $278 $264 $16 $80 $782 $65
Focus SE 4-Dr Sedan $144 $278 $264 $16 $80 $782 $65
Focus SEL 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Focus SES 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Focus SE 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
Focus SES 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
Get a Quote for Your Vehicle Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rates do not factor in vehicle location which can modify auto insurance rates greatly.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $11 more each month or $132 a year than buying the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 23 months between claims, you would save more money if you choose the higher deductible.

Irresponsible driving raises your rates

The chart below illustrates how speeding tickets and at-fault claims can drive up Kia Optima auto insurance rates for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Components of your auto insurance costs

Many things are part of the calculation when pricing auto insurance. Some are pretty understandable such as your driving record, but some are not quite as obvious like your continuous coverage or your financial responsibility. Part of the insurance buying process is learning the rating factors that play a part in calculating the rates you pay for insurance. When you know what positively or negatively positively or negatively impacts your premiums, this enables informed choices that may reward you with big savings.

Lower rates by qualifying for discounts

Insuring your fleet can be pricey, but you might find some hidden discounts that could help you make your next renewal payment. Certain credits will be shown when you purchase, but a few must be requested specifically before you get the savings.Discount insurance

A little disclaimer on discounts, most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, that's just not realistic.

Large insurance companies and a partial list of their discounts are:

When getting a coverage quote, ask each insurance company which discounts you qualify for. A few discounts may not be available in your state. To locate insurers who offer insurance discounts in Rockville Centre, click here to view.

Shop online but buy locally

A small number of people prefer to talk to an insurance agent and that is recommended in a lot of cases One of the best bonuses of comparing rate quotes online is that you can find lower prices but still work with a licensed agent.

Insurance agency in Rockville CentreAfter filling out this form (opens in new window), the quote information is submitted to local insurance agents in Rockville Centre that can provide free Rockville Centre auto insurance quotes to get your business. It simplifies rate comparisons since you won't have to contact an agency as quotes are delivered to you directly. You can find better rates and a licensed agent to talk to. If you wish to compare rates from a specific company, don't hesitate to go to their quote page to submit a rate quote request.

Choosing an insurer needs to be determined by more than just a cheap price quote. Here are some questions you might want to ask.

There's no such thing as the perfect insurance policy

When buying the right insurance coverage, there really isn't a one size fits all plan. Everyone's situation is unique so your insurance should reflect thatHigher deductibles save money Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

If you don't know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance claim statistics

What vehicles have the most claims? The tables below show the best and worst vehicle models for the probability of filing claims for each type of coverage.

Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Jeep Wrangler Ferrari 458
Nissan Xterra Maserati Granturismo
Ford F-250 SuperCab Maserati Ghibli
GMC Canyon Bentley Continental Flying Spur
Ford F-150 SuperCrew Bently Continental GT
Chevrolet Colorado Nissan GT-R

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

Vehicles with the Lowest and Highest Liability Insurance Claims
Lowest Claim Amount Highest Claim Amount
Acura MDX Chevrolet Cruze
Volvo XC60 Chevrolet Impala
Subaru Outback Chevrolet Sonic
Subaru Forester Kia Rio
Chevrolet Corvette Kia Optima
Fiat 500 Chrysler 200

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

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevy Silverado 2500 Mercedes-Benz S Class
Volvo V60 Audi S7
Chevy Spark BMW M6
Nissan Xterra Maserati Quattroporte
GMC Sierra 2500 BMW M6
Nissan Leaf Porsche Panamera GTS

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

Manufacturer Models with the Lowest and Highest Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Tesla Model S Nissan Versa
Ford F-350 SuperCrew Chrysler 200
Ford F-250 SuperCrew Nissan Sentra
Audi A4 Allroad Chevrolet Spark
Land Rover Range Rover Sport Dodge Charger
Chevrolet Silverado 2500 Chevrolet Sonic

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

Affordable coverage is out there

We just presented some good ideas how to get a better price on car insurance in Rockville Centre. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from an unexpected company. They can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.

Some companies may not offer rates over the internet and many times these regional carriers provide coverage only through local independent agencies. Budget-conscious car insurance can be sourced online as well as from independent agents in Rockville Centre, and you should compare rates from both in order to have the best chance of saving money.

As you quote Rockville Centre auto insurance, do not reduce needed coverages to save money. There are many occasions where an insured dropped full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.

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