Did you come to the realization that you have an underperforming, overpriced insurance policy? Believe me, many East Greenbush consumers feel financially strained by their insurance policy.

It's hard to believe, but the majority of drivers have bought insurance from the same company for at least the last four years, and roughly 40% of drivers have never compared insurance rates at all. Most drivers in New York can cut their rates by approximately $840 a year just by comparing rates, but most undervalue the big savings they would realize if they changed companies.

Vehicle owners have multiple insurance companies to buy insurance from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find the best rates.

All the larger car insurance companies such as 21st Century, Allstate and State Farm make it easy to get price estimates direct online. Getting car insurance prices online is quite easy as you just enter the amount of coverage you want into the quote form. After you submit the form the company's rating system makes automated requests for information on your driving record and credit history and returns a price quote determined by many factors. Quoting online streamlines rate comparisons, and it is imperative to compare as many rates as possible if you want to find the best car insurance rates.

To find out if lower rates are available, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you input coverages and limits exactly as they are listed on your policy. This helps ensure you will get a price comparison based on similar coverages.

The following companies are ready to provide free quotes in New York. If you want to find the cheapest car insurance in New York, it's a good idea that you click on several of them in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in East Greenbush
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,140 $570 $95
Chevrolet Silverado Crew Cab Hybrid 4WD $922 $461 $77
Dodge Ram Crew Cab SLT 2WD $882 $441 $74
Ford Edge SEL 2WD $874 $437 $73
Ford Escape Limited 2WD $702 $351 $59
Ford F-150 Lariat Crew Cab Harley 4WD $788 $394 $66
Ford Focus SEL 4-Dr Sedan $706 $353 $59
GMC Sierra Denali Crew Cab 2WD $944 $472 $79
Honda Accord LX-P 4-Dr Sedan $624 $312 $52
Honda CR-V EX-L 2WD $818 $409 $68
Honda Civic GX 4-Dr Sedan $774 $387 $65
Nissan Altima 2.5 S 4-Dr Sedan $972 $486 $81
Nissan Rogue S 2WD $954 $477 $80
Toyota Camry Hybrid $942 $471 $79
Toyota Corolla LE $736 $368 $61
Toyota RAV4 Limited 2WD $778 $389 $65
Toyota Tacoma 4WD $960 $480 $80
Get Your Own Custom Quote Go

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in specific East Greenbush garaging location which can impact insurance rates greatly.

Higher deductibles lower rates

The information below shows how different deductible levels and can affect Ford Focus insurance costs for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

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

What insurance coverages do I need?

Keep in mind that when it comes to choosing a policy for your personal vehicles, there really is not a perfect coverage plan. Everyone's situation is a little different.Drive safe and save

For instance, these questions could help you determine if your situation might need an agent's assistance.

If you can't answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Local East Greenbush insurance agents and auto insurance

Many people still prefer to get advice from a local agent. An additional benefit of comparing rates online is you may find cheaper premium rates but still work with a licensed agent.

Insurance agency in East GreenbushOnce you complete this simple form, the coverage information is emailed to participating agents in East Greenbush who will gladly provide quotes for your auto insurance coverage. There is no need to search for an agent because quoted prices will be sent immediately to your email address. You can find lower rates and a licensed agent to talk to. If you wish to compare rates from one company in particular, you can always search and find their rate quote page and fill out their quote form.

Finding a good provider requires you to look at more than just the price. Agents should be asked these questions:

Compare rates from both independent and exclusive auto insurance agents

If you would like to find a local East Greenbush insurance agent, it's helpful to know the types of agencies that differ in how they can insure your vehicles. Insurance agencies in East Greenbush can either be exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

Exclusive agents can usually just insure with one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. These agents are well trained on sales techniques and that can be a competitive advantage.

Independent Agencies or Brokers

Agents that choose to be independent are normally appointed by many insurers so they have the ability to put coverage through many companies and find the cheapest auto insurance rates. If premiums increase, the agent simply finds a different carrier and you won't have to switch agencies. If you are comparing rate quotes, it's a good idea to include price quotes from several independent agencies to have the most options to choose from.

Car insurance claims by make and model

Which vehicles statistically have few claims? The statistics below show the highest and lowest manufacturer models for the overall chance of having to file claims organized by coverage.

Auto Insurance Collision Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper Bently Continental GT
Ford F-250 SuperCab Bently Continental GTC
Chevrolet Colorado Ferrari 458
Jeep Wrangler BMW M6
Nissan Xterra Maserati Ghibli
Ford Edge Nissan GT-R

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark Audi S7
Nissan Xterra Maserati Quattroporte
GMC Sierra 2500 Porsche Panamera GTS
Infiniti QX50 Bentley Continental GTC
Smart ForTwo Mercedes-Benz S Class
Nissan Leaf Bentley Continental GT

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicles with the Lowest and Highest Car Insurance Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Chevrolet Cruze
Fiat 500 Hyndai Accent
Volvo XC60 Dodge Charger
Audi A6 Chevrolet Sonic
Acura MDX Mitsubishi Lancer
Chevrolet Corvette Kia Optima

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Chrysler 200
Audi A4 Allroad Kia Forte
Ford Expedition Hyundai Accent
Chevrolet Silverado 2500 Nissan Sentra
Chevrolet Silverado 3500 Mitsubishi Mirage
Tesla Model S Dodge Charger

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years