Want a free price quotes on more competitive auto insurance rates in Scarsdale, NY? Scarsdale buyers have a choice when searching for the lowest priced car insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to find the lowest rates. There are more efficient ways to find auto insurance online so we're going to tell you the best way to price shop coverage for your and find the lowest possible price from both online companies and Scarsdale agents.

Surprisingly, a recent survey revealed that over 70% of drivers renewed their policy with the same company for at least the last four years, and approximately 40% of consumers have never even shopped around for cheaper coverage. With the average premium in New York being $1,940, drivers can cut their rates by as much as $840 a year just by comparing rates, but they just assume it's a time-consuming process to go online and compare rates.

You should make it a habit to get comparison quotes before your policy renews due to the fact that insurance prices are constantly changing. If you had the best deal on auto insurance on your last policy you will most likely find a better rate today. Block out anything you think you know about auto insurance because you're about to find out one of the quickest ways to lower your rates without sacrificing coverage.

Most of the larger companies give prices on their websites. Comparing prices online is pretty painless because it's just a matter of typing in the coverage amounts you desire as requested by the quote form. After you complete the form, the system will order information on your driving record and credit history and returns a price based on these factors.

This helps simplify price comparisons, and it's necessary to get many rate quotes in order to get affordable auto insurance pricing.

If you want to find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you replicate the limits and deductibles as shown on your current policy. Doing this guarantees you will get rate comparison quotes using the exact same coverages.

The auto insurance companies shown below are our best choices to provide price comparisons in New York. If your goal is to find cheap auto insurance in New York, we recommend you get prices from several of them in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Scarsdale
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $580 $290 $48
Chevrolet Impala LTZ $972 $486 $81
Chevrolet Silverado LT Extended Cab 4WD $836 $418 $70
Dodge Ram Crew Cab Laramie 2WD $1,100 $550 $92
Ford Escape XLT 4WD $698 $349 $58
Ford Explorer Eddie Bauer 2WD $846 $423 $71
Ford F-150 Lariat Super Cab 2WD $796 $398 $66
Ford Focus SE 2-Dr Coupe $706 $353 $59
Honda Accord EX-L 4-Dr Sedan $746 $373 $62
Honda CR-V EX-L 4WD $722 $361 $60
Honda Civic DX 2-Dr Coupe $1,080 $540 $90
Nissan Altima 3.5 SR 2-Dr Coupe $996 $498 $83
Nissan Rogue SL AWD $896 $448 $75
Toyota Camry XLE $1,102 $551 $92
Toyota Corolla XRS $1,148 $574 $96
Get Your Own Custom Quote Go

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Prices do not factor in specific location information which can influence coverage prices substantially.

How much more does full coverage cost in Scarsdale?

The example below shows the comparison of Nissan Altima insurance costs with liability coverage only compared to full coverage. The premium estimates are based on no claims or violations, $250 deductibles, married male driver, and no additional discounts are factored in.

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

Deciding between full coverage and liability only

There is no definitive formula to eliminate physical damage insurance, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you might consider buying liability only.

For example, let's assume your Nissan Altima replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your deductible. If you are currently paying more than $300 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not drop full coverage.

These discounts can cut auto insurance rates

Some companies don't always publicize every available discount in a way that's easy to find, so the list below gives a summary of a few of the more well known as well as some of the hidden savings tricks you should be using when you buy Scarsdale car insurance online. If you do not check that you are getting every discount you deserve, you're paying more than you need to.Discount auto insurance

Policy discounts save money, but most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, companies wouldn't make money that way.

A few popular companies and some of the discounts are shown below.

When getting free Scarsdale car insurance quotes, it's a good idea to each company which discounts can lower your rates. A few discounts might not be offered on policies in Scarsdale. To find insurers offering auto insurance discounts in Scarsdale, follow this link.

Auto insurance protects more than just your car

Even though rates can get expensive, buying auto insurance serves several important purposes.

The benefits of carrying adequate insurance outweigh the cost, particularly for liability claims. According to a recent study, the average American driver is overpaying more than $820 a year so it's recommended you shop around at every renewal to help ensure money is not being wasted.

When do I need an agent's advice?

When it comes to the best insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's situation is unique.Insurance savings

For example, these questions might help in determining if your situation would benefit from professional advice.

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Car insurance claims by make and model

What are the chances of a claim? The statistics below show the worst and best models for the probability of having claims for each type of coverage listed.

Vehicle Make and Models with the Lowest and Highest Auto Insurance Comprehensive Claims
Lowest Claims Highest Claims
GMC Sierra 2500 Porsche Panamera GTS
Nissan Xterra BMW M6
Ford F-350 BMW M6
Chevy Spark Maserati Quattroporte
Infiniti QX50 Bentley Continental GT
Smart ForTwo Maserati Granturismo

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

Lowest and Highest Medical Payment Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Sonic
Land Rover Range Rover Sport Nissan Versa
Ford F-250 SuperCrew Mitsubishi Lancer
Ford F-350 SuperCrew Hyundai Accent
Tesla Model S Chrysler 200
Chevrolet Silverado 3500 Mitsubishi Mirage

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

Vehicles with the Lowest and Highest Auto Insurance Liability Claims
Lowest Claims Highest Claims
Acura MDX Chevrolet Impala
Volvo XC60 Chrysler 200
Mercedes-Benz SL Class Dodge Charger
Fiat 500 Hyndai Accent
Subaru Outback Chevrolet Cruze
Chevrolet Corvette Kia Rio

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

Collision Coverage Claims by Vehicle
Lowest Claims Highest Claims
Ford F-250 SuperCab BMW 6 Series
GMC Canyon Maserati Ghibli
Ford F-150 SuperCrew Ferrari 458
Nissan Xterra Maserati Granturismo
Jeep Wrangler BMW M6
Smart ForTwo Bently Continental GT

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