Price shopping your car insurance is always difficult for drivers who are new to online price comparisons. There are so many companies to choose from that it can be a ton of work to compare prices in New York on car insurance.

Regrettably, the majority of drivers renewed their policy with the same company for more than four years, and almost 40% of drivers have never compared rates with other companies. Consumers in the U.S. can cut their rates by as much as $859 a year by just comparing quotes, but they feel it's too difficult to compare rate quotes.

When quoting car insurance, remember that obtaining a wide range of quotes gives you a better chance of getting better pricing. Not every company provides price estimates online, so you also need to get prices from the smaller companies as well.

The auto insurance companies shown below can provide quotes in New York. If you want to find cheaper auto insurance in New York, it's highly recommended you compare several of them in order to get a fair rate comparison.

Insurance Price Estimates for Popular Vehicles in Blooming Grove
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LTZ $888 $444 $74
Chevrolet Silverado LS Regular Cab 2WD $780 $390 $65
Dodge Ram Quad Cab Sport 2WD $812 $406 $68
Ford Edge Sport 2WD $736 $368 $61
Ford Escape XLS 4WD $706 $353 $59
Ford F-150 XL Crew Cab 2WD $848 $424 $71
Ford Focus S 4-Dr Sedan $874 $437 $73
Ford Fusion Sport 4-Dr Sedan $750 $375 $63
GMC Sierra SL Extended Cab 2WD $908 $454 $76
Honda Accord EX 4-Dr Sedan $888 $444 $74
Honda CR-V EX-L 4WD $722 $361 $60
Honda Civic SI 4-Dr Sedan $1,012 $506 $84
Hyundai Elantra Blue 4-Dr Sedan $1,184 $592 $99
Nissan Altima 2.5 S 2-Dr Coupe $924 $462 $77
Toyota Camry Hybrid $720 $360 $60
Toyota Corolla LE $1,122 $561 $94
Toyota Tacoma Double Cab TRD Sport Package 4WD $938 $469 $78
Volkswagen Jetta SE 4-Dr Sedan $1,024 $512 $85
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle location which can alter coverage rates greatly.

Cost comparison with and without full coverage

The information below illustrates the comparison of Nissan Sentra auto insurance rates with full physical damage coverage and with liability coverage only. The price estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single male driver, and no additional discounts are factored in.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying full coverage

There is no specific rule that is best for determining when to drop physical damage insurance, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's pretend your Nissan Sentra replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $7,000 after paying your policy deductible. If premiums are more than $700 a year for physical damage coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

Driving violations and accidents

The chart below illustrates how violations and at-fault accidents can affect Dodge Ram insurance prices for each different age group. The rates are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Lower rates by qualifying for discounts

Car insurance is neither fun to buy or cheap, but you may find discounts that many people don't even know exist. Some discounts will apply when you purchase, but some may not be applied and must be asked for prior to receiving the credit.Cheaper car insurance with discounts

Consumers should know that most credits do not apply to the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, it doesn't quite work that way.

To see a list of providers with the best discounts in Blooming Grove, click here to view.

Three good reasons to insure your vehicle

Despite the potentially high cost of auto insurance, maintaining insurance is required in New York but it also protects you in many ways.

The benefits of insuring your car more than offset the price you pay, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is wasting up to $825 a year so it's recommended you shop around each time the policy renews to ensure rates are inline.

Auto insurance is unique, just like you

When choosing coverage online or from an agent, there really isn't a cookie cutter policy. Every insured's situation is different.Higher deductibles save money

These are some specific questions can help discover if you could use an agent's help.

If you can't answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don't have a local agent, take a second and complete this form.