Looking for lower-priced insurance rates in Elmira, NY? Nobody that owns a car loves paying for insurance, especially when they are paying too much.

Statistics show that 70% of consumers kept buying from the same company for four years or more, and nearly the majority have never quoted insurance rates at all. The average driver in Elmira can save approximately $840 each year just by comparing rates, but most tend to underestimate the rate savings if they switched.

There are many insurers to purchase coverage from, and even though it's nice to have multiple companies, more options can take longer to find the best rates for your vehicles.

Pricing the lowest-priced coverage in Elmira is simple if you know the tricks. Essentially each driver who quotes auto insurance will most likely buy a cheaper policy. Although New York car owners need to learn how big insurance companies determine prices and use this information to your advantage.

When looking for inexpensive Elmira car insurance quotes, there are a couple ways to compare prices from companies that offer auto insurance in New York. The best way to find the cheapest insurance rates is to perform an online rate comparison.

Getting quotes online is very simple and it makes it obsolete to go to and from local insurance agencies. Quoting auto insurance online makes this unnecessary unless you require the professional abilities of a local agency. Although you can find lower rates online and have a local Elmira agent actually service the policy.

Keep in mind that obtaining a wide range of quotes provides better odds of finding a lower rate than you're paying now.

The companies shown below are our best choices to provide free quotes in Elmira, NY. If multiple companies are listed, we suggest you visit several of them to find the lowest auto insurance rates.

Insurance Price Estimates for Popular Vehicles in Elmira
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,102 $551 $92
Chevrolet Silverado LS Regular Cab 4WD $646 $323 $54
Dodge Ram Quad Cab Sport 4WD $1,182 $591 $99
Ford Escape XLS 2WD $774 $387 $65
Ford F-150 XLT Crew Cab 2WD $730 $365 $61
Ford Focus S 4-Dr Sedan $1,030 $515 $86
Ford Fusion SEL 4-Dr Sedan $852 $426 $71
Honda Accord EX-L 4-Dr Sedan $966 $483 $81
Honda CR-V EX 4WD $722 $361 $60
Honda Civic Hybrid 4-Dr Sedan $1,148 $574 $96
Jeep Grand Cherokee Limited 2WD $736 $368 $61
Mazda 3 S Grand Touring 4-Dr Hatchback $1,096 $548 $91
Nissan Altima 3.5 SR 2-Dr Coupe $1,278 $639 $107
Nissan Rogue SL AWD $1,134 $567 $95
Toyota Camry Hybrid $1,208 $604 $101
Toyota Corolla XRS $892 $446 $74
Toyota Prius $874 $437 $73
Toyota RAV4 Sport 2WD $836 $418 $70
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can affect premiums substantially.

Choosing deductibles

One of the most common auto insurance questions is what deductibles to buy. The rates below summarize the differences in premium rates when you buy lower versus higher insurance deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

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

Honda Accord insurance premium estimates 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 premium estimates 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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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can change prices noticeably.

Based on the figures above, using a $250 deductible will cost you roughly $10 more each month or $120 a year than quoting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 25 months between claim filings, you would probably come out ahead going with the higher deductible.

Responsible drivers pay cheaper Elmira auto insurance rates

The example below illustrates how speeding tickets and at-fault accidents influence Ford Focus insurance costs for different age groups. The rates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

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

Determine discounts on Elmira insurance

Companies that sell car insurance don't necessarily list every possible discount very clearly, so the list below details some of the best known as well as some of the hidden credits that may apply to you. If you check and find you aren't receiving every discount you qualify for, you are not getting the best rate possible.Discount insurance

As is typical with insurance, most credits do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn't make money that way.

To see providers that offer the discounts shown above in New York, click here to view.

Auto insurance just makes sense

Despite the high cost, auto insurance may not be optional for several reasons.

The benefits of carrying adequate insurance definitely exceed the cost, especially if you ever need it. But the average American driver is wasting up to $810 a year so compare rate quotes at every renewal to make sure the price is not too high.

Buying from insurance agents

Some people would rather buy from a licensed agent and that can be a great decision A good thing about comparing insurance online is you may find lower rates and still choose a local agent. Buying from and supporting local agents is important particularly in Elmira.

Upon completion of this simple form, your insurance data is instantly submitted to insurance agents in Elmira who will give you bids for your insurance coverage. It simplifies rate comparisons since you won't have to drive around because prices are sent to you directly. You'll get the best rates and work with a local agent. If you need to get a rate quote for a specific company, you can always search and find their rate quote page and submit a quote form there.

If you're trying to find a local Elmira insurance agent, you should know the different agency structures and how they differ in how they quote coverages. Insurance agencies are classified as either exclusive or independent (non-exclusive).

Independent Agents (or Brokers)

Agents of this type are not employed by one company so they can write business with any number of different companies and get you the best rates possible. If you are not satisfied with one company, they simply move your policy to a different company and you won't have to switch agencies. When comparing rate quotes, it's recommended you check rates from at least one independent agent so that you can do a thorough price comparison.

Exclusive Agencies

Agents in the exclusive channel have only one company to place business with like Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. They are usually quite knowledgeable on sales techniques which aids in selling service over price.

Finding a good insurance agent shouldn't rely on just the bottom line cost. A good agent in Elmira will have answers to these questions.

Car insurance claims by make and model

Do you own a high-claim vehicle? The data below show the best and worst manufacturer models for the probability of having to file claims.

Lowest and Highest Auto Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Land Rover Range Rover Sport Chrysler 200
Chevrolet Silverado 3500 Nissan Versa
Chevrolet Silverado 2500 Mitsubishi Mirage
Audi A4 Allroad Kia Forte
Ford F-250 SuperCrew Nissan Sentra
Ford F-350 SuperCrew Chevrolet Sonic

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

Liability Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Audi A6 Hyndai Accent
Acura MDX Dodge Charger
Volvo XC60 Kia Rio
Mercedes-Benz SL Class Mitsubishi Lancer
Fiat 500 Chevrolet Cruze
Subaru Outback Kia Optima

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

Lowest and Highest Auto Insurance Comprehensive Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bentley Continental GTC
GMC Sierra 2500 Bentley Continental GT
Nissan Leaf Maserati Quattroporte
Smart ForTwo BMW M6
Infiniti QX50 BMW M6
Ford F-350 Mercedes-Benz S Class

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

Manufacturer Models with the Lowest and Highest Collision Coverage Claims
Lowest Claim Amount Highest Claim Amount
Ford F-150 SuperCrew Audi RS7
Ford F-250 SuperCab Maserati Ghibli
Nissan Xterra Bentley Continental Flying Spur
Smart ForTwo BMW 6 Series
Mini Cooper Bently Continental GTC
Ford Edge BMW M6

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