Want low-cost auto insurance rates in Rye, NY? Have you had enough of wondering where the money will come from each month for auto insurance? Your situation is no different than many other New York consumers.

It's shocking but a large majority of auto insurance policyholders kept their policy with the same company for more than four years, and practically 40% of auto insurance customers have never compared quotes from other companies. Many consumers in New York could save approximately $800 a year just by shopping around, but they mistakenly think it's difficult to compare rates. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with catchy ads and it is difficult to ignore the flashy ads and take the time to shop coverage around.

If you already have coverage or just want to reduce your rates, use these cost-cutting techniques to find better prices while maintaining coverages. Choosing the most cost-effective auto insurance policy in Rye is really not that difficult. Consumers just have to use the tricks to compare insurance rates using one simple form.

The quickest method we recommend to compare rates is to know the fact car insurance companies allow for online access to compare their rates. The one thing you need to do is provide the companies a bit of rating information like if you lease or own, whether you have decent credit, driver ages, and whether you are married. The data is automatically sent to all major companies and you receive quotes quickly.

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

The car insurance companies shown below are ready to provide free rate quotes in Rye, NY. To locate the best cheap auto insurance in New York, we recommend you get rate quotes from several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Rye
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $876 $438 $73
Chevrolet Malibu LT $934 $467 $78
Chevrolet Silverado LS Regular Cab 4WD $756 $378 $63
Dodge Ram Crew Cab Laramie 2WD $1,100 $550 $92
Ford Edge Sport 2WD $988 $494 $82
Ford Escape XLT 4WD $796 $398 $66
Ford Explorer Limited 2WD $962 $481 $80
Ford F-150 Lariat Crew Cab Platinum 4WD $898 $449 $75
Ford Focus SES 4-Dr Sedan $812 $406 $68
Ford Fusion Sport 4-Dr Sedan $1,012 $506 $84
Honda Accord LX 4-Dr Sedan $580 $290 $48
Honda CR-V EX 2WD $794 $397 $66
Honda Civic DX 4-Dr Sedan $778 $389 $65
Hyundai Elantra SE 4-Dr Sedan $662 $331 $55
Hyundai Sonata SE 4-Dr Sedan $910 $455 $76
Nissan Altima 2.5 S 4-Dr Sedan $754 $377 $63
Toyota Camry Hybrid $1,204 $602 $100
Toyota Corolla XLE $780 $390 $65
Toyota Prius $892 $446 $74
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in specific location which can revise rates greatly.

How high should deductibles be?

One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The comparisons below lay out the price difference when you buy lower versus higher insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

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

Honda Accord insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord LX 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord EX 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord LX-P 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord LX-P 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord EX-L 4-Dr Sedan $204 $344 $226 $14 $68 $881 $73
Accord EX 2-Dr Coupe $204 $406 $300 $18 $90 $1,043 $87
Accord LX-S 2-Dr Coupe $204 $406 $300 $18 $90 $1,043 $87
Accord EX-L 2-Dr Coupe $230 $406 $300 $18 $90 $1,069 $89
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Honda Accord insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord LX 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord EX 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord LX-P 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord LX-P 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord EX-L 4-Dr Sedan $166 $278 $226 $14 $68 $752 $63
Accord EX 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
Accord LX-S 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
Accord EX-L 2-Dr Coupe $188 $328 $300 $18 $90 $924 $77
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in specific garaging location which can modify rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs an average of $10 more each month or $120 a year than opting for the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 25 months between claim filings, you would most likely save money if you elect the higher deductible.

Auto insurance policy discounts you can't miss

Car insurance companies don't always publicize all available discounts very well, so the next list breaks down both well-publicized as well as some of the hidden credits available to lower your premiums when you buy Rye auto insurance online.Save money with discounts

One last thing about discounts, many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, it just doesn't work that way.

To find providers that offer some of these discounts in Rye, click here to view.

Insurance is not optional in New York

Even though rates can get expensive, insurance serves a purpose in several ways.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially when you need to use it. Today the average American driver overpays more than $830 a year so compare rates once a year at a minimum to ensure rates are inline.

Insurance agents can help

When buying insurance from an agent or online for your personal vehicles, there really is no "perfect" insurance plan. Your situation is unique so your insurance needs to address that.Higher deductibles save money Here are some questions about coverages that might help in determining if you might need professional guidance.

If you're not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance coverage information

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle, vandalism and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses like dental work, pain medications and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. This coverage pays for injuries sustained by your vehicle's occupants and damage to your vehicle.

Since a lot of drivers carry very low liability coverage limits (25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, backing into a parked car, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/10 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $10,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like loss of income, legal defense fees, bail bonds and repair bills for other people's vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford. New York requires minimum liability limits of 25/50/10 but you should think about purchasing better liability coverage.

Car insurance claim statistics

Which vehicles statistically have the most claims? The following tables outline the good and bad vehicles for overall likelihood of having claims.

Vehicle Models with the Lowest and Highest Comprehensive Claims
Lowest Claims Highest Claims
Smart ForTwo BMW M6
Chevy Spark Bentley Continental GT
Ford F-350 Mercedes-Benz S Class
Infiniti QX50 BMW M6
Volvo V60 Porsche Panamera GTS
GMC Sierra 2500 Maserati Quattroporte

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

Lowest and Highest Medical Payment Claims by Vehicle Model
Lowest Claims Highest Claims
Audi A4 Allroad Kia Forte
Ford Expedition Chevrolet Sonic
Land Rover Range Rover Sport Hyundai Accent
Ford F-350 SuperCrew Chrysler 200
Chevrolet Corvette Mitsubishi Mirage
Chevrolet Silverado 2500 Nissan Sentra

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

Manufacturer Models with the Lowest and Highest Collision Insurance Claims
Lowest Claims Highest Claims
Chevrolet Colorado Bently Continental GTC
Ford F-150 SuperCrew Bently Continental GT
Mini Cooper BMW 6 Series
Smart ForTwo Maserati Ghibli
GMC Canyon BMW M6
Ford F-250 SuperCab Nissan GT-R

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

Lowest and Highest Car Insurance Liability Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Mercedes-Benz SL Class Kia Rio
Subaru Forester Chevrolet Cruze
Subaru Outback Chevrolet Impala
Chevrolet Corvette Mitsubishi Lancer
Volvo XC60 Chrysler 200
Audi A6 Hyndai Accent

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