Do you want to save money by finding low-cost auto insurance rates in New Castle, NY? Are you burned out from being strong-armed each month for auto insurance? You are in the same boat as most other drivers in New York.

Sad but true, a large majority of consumers kept buying from the same company for over three years, and 38% of customers have never quoted rates to find affordable coverage. U.S. drivers can save $860 each year by just comparing rate quotes, but most just don't grasp how much they could save if they bought a different policy. Because you have many insurance providers from which to choose, it's difficult to find a more affordable company.

Locating the best rates in New Castle is really not that difficult. If you have a policy now or are shopping for new coverage, follow these tips to reduce premiums while maintaining coverages. Consumers just have to know the proper way to compare prices using one simple form.

Do you qualify for these eight discounts?

Auto insurance is neither fun to buy or cheap, but you can get discounts that you may not even know about. A few discounts will automatically apply at the time of purchase, but some must be asked for before you get the savings.Discount auto insurance

Discounts save money, but please remember that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, it doesn't quite work that way. Any amount of discount will definitely reduce your auto insurance premiums.

Some of the insurance companies who might offer most of the discounts above may include but are not limited to:

If you want cheap New Castle car insurance quotes, ask all companies you are considering to apply every possible discount. All car insurance discounts might not be offered in New Castle.

The best way to compare rates is to realize most of the bigger providers participate in online systems to quote your coverage. The one thing you need to do is provide a small amount of information including daily mileage, if your license is active, if you're married, and how your vehicles are used. Those rating factors is sent automatically to many of the top insurers and they respond with quotes with very little delay.

To check rates for your car now, click here and enter the information requested.

The companies shown below provide free quotes in New Castle, NY. To find cheap car insurance in New York, it's highly recommended you click on several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in New Castle
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Extended Cab 4WD $836 $418 $70
Dodge Ram Quad Cab SLT 2WD $1,228 $614 $102
Ford Edge SEL 2WD $774 $387 $65
Ford Escape XLT 4WD $816 $408 $68
Ford F-150 XLT Crew Cab 4WD $626 $313 $52
Ford Focus SE 4-Dr Sedan $896 $448 $75
Ford Fusion Sport 4-Dr Sedan $860 $430 $72
GMC Sierra SLT Extended Cab 4WD $954 $477 $80
Honda Accord EX 4-Dr Sedan $770 $385 $64
Honda CR-V EX 2WD $752 $376 $63
Honda Civic LX 2-Dr Coupe $1,120 $560 $93
Jeep Wrangler Unlimited Sport 4WD 4-Dr $958 $479 $80
Nissan Altima 3.5 SR 2-Dr Coupe $968 $484 $81
Toyota Camry SE $1,002 $501 $84
Toyota Corolla S $1,072 $536 $89
Toyota Tacoma 2WD $694 $347 $58
Get Your Own Custom Quote Go

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate information does not factor in specific New Castle garaging location which can decrease or increase auto insurance rates noticeably.

Deductible comparison

The diagram below shows how different deductible levels and can increase or decrease Ford Escape insurance costs for different age categories. Data assumes a married female driver, full physical damage coverage, and no additional discounts are factored in.

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

Full coverage rates compared to liability-only

The illustration below illustrates the comparison of Ford Focus annual premium costs with and without physical damage coverage. The prices are based on no claims, a clean driving record, $100 deductibles, single male driver, and no discounts are applied to the premium.

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

When to eliminate full coverage

There is no set guideline of when to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Ford Focus book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying the physical damage deductible. If premium cost is more than $400 annually for physical damage coverage, then it could be time to drop full coverage.

There are some cases where dropping full coverage is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle in case of an accident, you should keep full coverage in place.

Your insurance coverage should be tailored to you

When it comes to choosing a policy, there really isn't a cookie cutter policy. Every situation is different and your policy should reflect that.Insurance savings These are some specific questions may help you determine if your situation would benefit from an agent's advice.

If it's difficult to answer those questions, you may need to chat with an agent. If you don't have a local agent, complete this form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Buying from auto insurance agents

Certain consumers prefer to visit with an insurance agent and often times that is recommended Experienced insurance agents are very good at helping people manage risk and help submit paperwork. One of the benefits of comparing insurance prices online is the fact that drivers can get lower premium rates but still work with a licensed agent.

New Castle insurance agentsAfter filling out this short form, the quote information is emailed to agents in your area who will gladly provide quotes for your business. You don't have to even leave your home since price quotes are sent to the email address you provide. If you want to compare prices for a specific company, you can always find their quoting web page and fill out their quote form.

Choosing the best provider requires you to look at more than just the bottom line cost. These are some questions you should get answers to.

Buying the right vehicle insurance in New York is an important decision

Even though it's not necessarily cheap to insure a vehicle in New Castle, insuring your vehicle may not be optional for several reasons.

The benefits of carrying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. On average, a vehicle owner in New Castle is currently overpaying as much as $800 each year so compare quotes from several companies at every renewal to ensure rates are inline.

Information about specific coverages

Learning about specific coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, hail damage, a tree branch falling on your vehicle, theft and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

Liability coverage can cover damage or injury you incur to people or other property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/10 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $10,000.

Liability insurance covers claims such as structural damage, court costs and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible. New York requires minimum liability limits of 25/50/10 but drivers should carry more coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Because many people carry very low liability coverage limits (which is 25/50/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision protection

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

Collision coverage protects against claims such as damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for things like chiropractic care, prosthetic devices and dental work. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Auto insurance claim information

Which vehicles statistically have few claims? The tables below show the worst and best vehicle models for likelihood of having claims for each type of coverage listed.

Auto Insurance Comprehensive Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevy Silverado 2500 Bentley Continental GT
Smart ForTwo Bentley Continental GTC
GMC Sierra 2500 BMW M6
Infiniti QX50 Audi S7
Nissan Leaf Maserati Granturismo
Chevy Spark Mercedes-Benz S Class

Statistics from IIHS.org for 2013-2015 Model Years

Liability Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Fiat 500 Kia Rio
Mercedes-Benz SL Class Chrysler 200
Acura MDX Kia Optima
Subaru Forester Dodge Charger
Chevrolet Corvette Chevrolet Cruze
Subaru Outback Chevrolet Impala

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Auto Insurance Collision Claims
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew Bentley Continental Flying Spur
Mini Cooper Ferrari 458
Chevrolet Colorado BMW M6
Ford Edge Nissan GT-R
Nissan Xterra Maserati Granturismo
Jeep Wrangler Bently Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 2500 Kia Forte
Land Rover Range Rover Sport Dodge Charger
Ford Expedition Chevrolet Sonic
Audi A4 Allroad Hyundai Accent
Ford F-250 SuperCrew Chrysler 200
Tesla Model S Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

More effort can pay off

Cheaper car insurance in New Castle is definitely available both online as well as from independent agents in New Castle, so you need to shop New Castle car insurance with both to have the best selection. Some insurance companies do not offer online rate quotes and many times these regional carriers work with independent agents.

You just read quite a bit of information on how to save on car insurance in New Castle. It's most important to understand that the more price quotes you have, the better your chances of lowering your prices. Drivers may even discover the lowest premium rates come from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

When you buy New Castle car insurance online, it's not a good idea to reduce coverage to reduce premium. In too many instances, someone dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

Additional car insurance information is available at the links below