Expensive car insurance in Southeast can stress out your savings, especially in this economy.

Astonishing but true, nearly 70% of customers kept buying from the same company for at least the last four years, and approximately 40% of consumers have never compared car insurance rates at all. With the average premium in New York being $1,940, drivers could save $800 each year, but they just assume it takes a lot of time to save money by comparing rate quotes. Companies like GEICO, Progressive and Allstate constantly bombard you with ads and it is difficult to see through the deception and take the time to shop coverage around.

The quickest method we recommend to get rate comparisons is to understand most insurance companies have advanced systems to compare their rates. To get started, all you need to do is provide a little information such as whether you are single or married, types of safety features, what your job is, and driver details. Those rating factors is automatically sent to multiple different insurance companies and you will get price comparisons instantly.

To start a rate quote now, click here and enter your coverage details.

The providers in the list below are ready to provide free rate quotes in Southeast, NY. If you wish to find cheaper car insurance in New York, it's highly recommended you visit two to three different companies to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in Southeast
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $892 $446 $74
Chevrolet Impala LT $1,030 $515 $86
Chevrolet Silverado LS Extended Cab 4WD $892 $446 $74
Dodge Ram Quad Cab ST 4WD $894 $447 $75
Ford Escape XLT 4WD $722 $361 $60
Ford F-150 XL Crew Cab 2WD $762 $381 $64
Ford Focus S 4-Dr Sedan $670 $335 $56
Honda Accord LX 4-Dr Sedan $792 $396 $66
Honda CR-V EX-L 2WD $918 $459 $77
Honda Civic VP 4-Dr Sedan $964 $482 $80
Honda Odyssey EX W/Rear Entertainment $782 $391 $65
Jeep Grand Cherokee Laredo 2WD $740 $370 $62
Nissan Altima 2.5 S 2-Dr Coupe $924 $462 $77
Toyota Camry SE $720 $360 $60
Toyota Corolla XLE $930 $465 $78
Volkswagen Jetta S 2.5 Station Wagon $640 $320 $53
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates noticeably.

Full coverage rates compared to liability only

The illustration below shows the difference between Chevrolet Tahoe insurance prices with full coverage compared to only the New York minimum liability coverage. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, single female driver, and no discounts are taken into consideration.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Guidelines for dropping full coverage

There is no specific rule of when to eliminate physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's pretend your Chevrolet Tahoe replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after the deductible is paid. If you are paying more than $300 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are some circumstances where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Policy deductible comparison

The example below shows how choosing a deductible and can influence Hyundai Elantra insurance costs for different ages of insureds. The prices are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

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

Choosing deductibles

The hardest decision when buying coverage is which deductibles should you choose. The figures shown below may help to conceptualize the price difference when you buy lower versus higher insurance deductibles. The first set of prices uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Tahoe insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $228 $412 $264 $16 $80 $1,025 $85
Tahoe LS 4WD $258 $412 $264 $16 $80 $1,055 $88
Tahoe LT 2WD $258 $412 $264 $16 $80 $1,055 $88
Tahoe LT 4WD $258 $412 $264 $16 $80 $1,055 $88
Tahoe LTZ 2WD $258 $484 $264 $16 $80 $1,127 $94
Tahoe LTZ 4WD $258 $484 $264 $16 $80 $1,127 $94
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Chevrolet Tahoe insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $126 $216 $264 $16 $80 $702 $59
Tahoe LS 4WD $142 $216 $264 $16 $80 $718 $60
Tahoe LT 2WD $142 $216 $264 $16 $80 $718 $60
Tahoe LT 4WD $142 $216 $264 $16 $80 $718 $60
Tahoe LTZ 2WD $142 $256 $264 $16 $80 $758 $63
Tahoe LTZ 4WD $142 $256 $264 $16 $80 $758 $63
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in Southeast location which can change insurance rates noticeably.

Based on the above data, using a $100 deductible costs roughly $29 more each month or $348 each year than choosing the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 31 months between claims, you would save more money if you elect the higher deductible. Below is a better example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $90
Average monthly premium for $1,000 deductibles (subtract): - $61
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

Do I need special coverages?

When quoting and choosing the right insurance coverage, there is no one-size-fits-all type of policy. Your financial needs are unique and a cookie cutter policy won't apply.Car insurance savings Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

If you can't answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Local agents and insurance

Many people just prefer to go talk to an agent and doing so can bring peace of mind Insurance agents will help you protect your assets and will help you if you have claims. The biggest benefit of comparing insurance online is that you can obtain lower prices but also keep your business local.

Find insurance agent in SoutheastAfter filling out this short form, the quote information is transmitted to insurance agents in Southeast who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your computer due to the fact that quote results will go instantly to you. If you wish to get a price quote for a specific company, just jump over to their website to submit a rate quote request.

Finding the right insurer should include more criteria than just a cheap price quote. These are some questions you should get answers to.

When narrowing the list to find a local Southeast insurance agent, it can be helpful to understand the different types of agents and how they can write your policy. Southeast agents can be categorized as either independent or exclusive depending on the company they work for. Both handle insurance, but it's worth mentioning how they are different since it can affect the selection process.

Exclusive Agencies

Exclusive insurance agents can only quote rates from one company like State Farm, AAA, and Liberty Mutual. These agents are unable to shop your coverage around so they have to upsell other benefits. Exclusive agencies are highly trained on their products and sales techniques and that enables them to sell even at higher rates.

Independent Insurance Agencies

These type of agents are not employed by any specific company and that allows them to write policies amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house which requires no work on your part. When comparing insurance prices, you absolutely need to check rates from a couple of independent agencies to ensure the widest selection of prices.