Want to learn how to buy low-cost auto insurance rates in Whitestown, NY? Paying for expensive auto insurance in Whitestown can dry up your bank account and make it impossible to make ends meet. Comparison shopping is a smart way to slash your bill and have more diposable income.
It's shocking but a large majority of consumers have been with the same company for at least the last four years, and approximately 40% of consumers have never even compared quotes to find affordable rates. With the average premium in New York being $1,940, drivers can save hundreds of dollars each year by just comparing quotes, but they underestimate the big savings they would realize if they replace their high priced policy.
Consumers have multiple insurance companies to purchase coverage from, and even though it's nice to have a selection, too many choices makes it more difficult to find the best rates.
You need to do rate comparisons periodically because auto insurance rates go up and down regularly. Even if you got the lowest rate on auto insurance a few years ago there is a good chance you can find better prices now. Forget all the misinformation about auto insurance because you're about to learn the best way to lower your rates without sacrificing coverage.
Cheap companies for Whitestown car insurance
The companies in the list below can provide free rate quotes in New York. To get cheap auto insurance in New York, we recommend you get price quotes from several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 4WD||$888||$444||$74|
|Chevrolet Equinox LS 2WD||$700||$350||$58|
|Chevrolet Silverado LS Extended Cab 4WD||$628||$314||$52|
|Dodge Ram Quad Cab ST 2WD||$928||$464||$77|
|Ford Escape XLT 2WD||$738||$369||$62|
|Ford Explorer Limited 2WD||$642||$321||$54|
|Ford F-150 XLT Regular Cab 2WD||$768||$384||$64|
|Ford Focus SES 2-Dr Coupe||$898||$449||$75|
|Honda Accord LX 4-Dr Sedan||$676||$338||$56|
|Honda CR-V EX 2WD||$706||$353||$59|
|Honda Civic LX-S 4-Dr Sedan||$1,048||$524||$87|
|Jeep Grand Cherokee Laredo 4WD||$804||$402||$67|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$648||$324||$54|
|Mazda 3 I Sport 4-Dr Sedan||$1,012||$506||$84|
|Nissan Altima 2.5 S 4-Dr Sedan||$870||$435||$73|
|Toyota Camry LE||$836||$418||$70|
|Toyota Corolla S||$1,214||$607||$101|
|Toyota Tacoma 4WD||$670||$335||$56|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in vehicle garaging location which can revise premiums significantly.
Male drivers versus female drivers
The illustration below compares car insurance rates for male and female drivers in Whitestown. The rate quotes are based on no accidents or driving violations, comp and collision included, $250 deductibles, marital status is single, and no additional discounts are factored in on a Kia Optima SX.
Kia Optima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Components of your auto insurance premiums
Lots of things are part of the equation when pricing auto insurance. A few of the factors are predictable like an MVR report, but others are not as apparent such as your credit history and annual miles driven. When buying insurance it's important to understand some of the factors that aid in calculating your insurance rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that could help you find much lower annual insurance costs.
The following are a few of the things that factor into your premiums.
Rates can change based on your address - Having an address in smaller towns and rural areas of the country has it's advantages when it comes to insurance. People in densely populated areas tend to have congested traffic and much longer commute distances. Fewer people means fewer accidents in addition to lower liability claims
Don't buy incidental coverages you don't use - Insurance companies have many optional add-on coverages that may not really be needed but may not be useful. Insurance for roadside assistance, towing coverage, and membership fees are examples of these. They may sound like good ideas when discussing your needs, but your needs may have changed so remove them and pocket the money.
Annual mileage impacts rates - Driving more miles each year the more you will pay for insurance. The majority of insurers charge rates based on how the vehicle is used. Cars left parked in the garage can be on a lower rate level than those used for commuting. Verify your insurance policy correctly shows the correct usage, because it can save money.
Prevent theft and save - Owning a car with advanced anti-theft systems can save you some money. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all help prevent auto theft and help lower rates.
What are good liability protection limits? - A critical coverage on your policy, liability insurance will afford coverage in the event that you are determined to be liable for an accident. This coverage provides for a legal defense which can cost a lot. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Cheaper rates by combining - Most major companies will award better rates to buyers who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even fifteen percent. Even if you're getting this discount you still need to compare other company rates to ensure the best deal.There is a good possibility that you can save even more by buying insurance from more than one company.
Companies offer money-saving discounts on insurance
Some insurance providers do not advertise the complete list of policy discounts in a way that's easy to find, so the next list breaks down both well-publicized as well as the least known credits available to bring down your rates.
- E-sign Discounts - Many companies may give you up to $50 for buying your policy over the internet.
- Anti-lock Brake Discount - Cars and trucks with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
- Senior Discount - If you're over the age of 55, you may receive a slight reduction on a Whitestown auto insurance quote.
- Drive Less and Save - Maintaining low annual mileage could earn discounted insurance rates on garaged vehicles.
- Theft Deterrent System - Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
- Passive Restraints - Vehicles with factory air bags can get savings of 20% or more.
- Life Insurance - Select companies reward you with a discount if you purchase life insurance from them.
It's important to understand that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. So even though you would think you can get free auto insurance, insurance companies wouldn't stay in business.
Some companies that may include some of the discounts shown above include:
If you want cheap Whitestown auto insurance quotes, ask each company or agent how you can save money. Some of the discounts discussed earlier may not apply to policies in Whitestown.
What if I want to buy from local Whitestown car insurance agents?
Many drivers still prefer to buy from a local agent and there is nothing wrong with that. An additional benefit of getting online price quotes is you may find lower rates and still choose a local agent.
Once you complete this form (opens in new window), your insurance data is transmitted to agents in your area that can give you free Whitestown auto insurance quotes and help you find cheaper coverage. You won't need to contact any agents as quotes are delivered instantly to you. It's the lowest rates AND a local agent. If you want to quote rates from a particular provider, you would need to search and find their rate quote page and fill out the quote form the provide.
Finding a good company requires you to look at more than just a cheap price quote. Some important questions to ask are:
- If your car is in the repair shop, do you have coverage for a rental car?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are claims handled at the agent's location?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How much can you save by raising your physical damage deductibles?
- Can they give you a list of client referrals?
- Does the company allow you to choose your own collision repair facility?
- Is assistance available after office hours?
When narrowing the list to find a good insurance agency, it helps to know the two types of insurance agents and how they can quote your rates. Whitestown agents can be categorized as either independent agents or exclusive agents.
Exclusive Insurance Agents
Agents of this type are contracted to one company and some examples include Farmers Insurance or State Farm. These agents are unable to shop your coverage around so they really need to provide good service. Exclusive agents are well trained on their products and sales techniques which helps them compete with independent agents.
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company so as a result can place your coverage through many companies and find you cheaper rates. If premiums increase, they simply move your policy to a different company and you stay with the same agent. If you are trying to find cheaper rates, we recommend you include price quotes from at a minimum one independent agency to maximize your price options.
Insurance advertising tricks
Popular insurance providers such as State Farm, GEICO and Progressive seem to constantly run ads in print and on television. They all seem to make an identical promise that drivers can save some big amount if you move your insurance coverage to their company. How do they all make the same claim? This is the way they can do it.
Insurance companies have specific characteristics for the type of driver that will most likely be profitable. A good example of a preferred risk could possibly be over the age of 40, carries high limits, and drives less than 5,000 miles a year. Anyone who matches that profile will get a cheap rate quote in Whitestown and therefore will save a lot on Whitestown insurance if they switch.
Consumers who do not match the ideal profile may be required to pay a more expensive rate and this results in the customer buying from a different company. If you pay close attention to the ads, they say "people who switch" not "everyone who quotes" save the amount stated. That's why insurance companies can confidently lure you into getting a quote. That is why you really need to quote coverage with many companies. It is impossible to guess which insurance company will give you lower rates than your current company.
How do I know if I need professional advice?
Always keep in mind that when comparing the right insurance coverage, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's and your policy should reflect that. For instance, these questions could help you determine whether your personal situation would benefit from professional advice.
- Can I insure my car for more than it's worth?
- What can I do if my company denied a claim?
- Is there a penalty for late payment?
- Am I covered by my spouse's policy after a separation?
- Does my policy pay for OEM or aftermarket parts?
- Is my camper covered for physical damage?
- Is a fancy paint job covered?
- How high should deductibles be on a vehicle?
If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
A little work can save a LOT of money
A few companies may not offer online rate quotes and these smaller providers prefer to sell through independent agents. Affordable car insurance in Whitestown can be sourced on the web in addition to many Whitestown insurance agents, and you should compare price quotes from both so you have a total pricing picture.
We just showed you a lot of techniques to reduce car insurance rates online in Whitestown. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the most savings is with a smaller regional carrier. Regional companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as Allstate or State Farm.
For more information, feel free to browse the articles below:
- Teen Driving Statistics (GEICO)
- Who Has the Cheapest Auto Insurance Rates for First-time Drivers in New York? (FAQ)
- What Auto Insurance is Cheapest in Syracuse, New York? (FAQ)
- Who Has Cheap New York Car Insurance Quotes for a Ford Explorer? (FAQ)
- Learn About Car Insurance (GEICO)
- Self-driving cars won't replace humans (Insurance Institute for Highway Safety)
- Winter Driving (Insurance Information Institute)
- Teen Driver Statistics (Insurance Information Institute)