Trying to find low-cost car insurance rates in Floral Park, NY? Floral Park shoppers have options when shopping for the lowest priced car insurance. You can either spend your time contacting agents getting price quotes or leverage the internet to compare rates. There is a better way to compare car insurance rates and we'll show you the quickest way to get price quotes on a and get the lowest possible price from Floral Park insurance agents and online providers.

Compare Floral Park auto insurance quotes

The companies shown below have been selected to offer price quotes in Floral Park, NY. If you wish to find cheap car insurance in New York, it's a good idea that you visit several of them to find the lowest auto insurance rates.

Insurance Rates for Popular Vehicles in Floral Park
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $768 $384 $64
Chevrolet Silverado Crew Cab Hybrid 2WD $940 $470 $78
Dodge Ram Crew Cab Sport 4WD $938 $469 $78
Ford Escape XLS 4WD $682 $341 $57
Ford F-150 SVT Raptor Super Cab 4WD $1,036 $518 $86
Ford Focus SE 4-Dr Sedan $918 $459 $77
GMC Sierra SLE Crew Cab 4WD $958 $479 $80
Honda Accord LX 4-Dr Sedan $624 $312 $52
Honda CR-V EX-L 2WD $816 $408 $68
Honda Civic EX 2-Dr Coupe $990 $495 $83
Jeep Grand Cherokee Laredo 4WD $694 $347 $58
Kia Optima SX $1,056 $528 $88
Mazda 3 I Touring 4-Dr Sedan $962 $481 $80
Nissan Altima 3.5 SR 2-Dr Coupe $1,082 $541 $90
Toyota Camry XLE $766 $383 $64
Toyota Corolla LE $824 $412 $69
Toyota Prius $962 $481 $80
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in zip code location which can change coverage rates significantly.

Premiums by gender and age

The chart below shows the comparison of insurance costs for male and female drivers in Floral Park. The premium estimates are based on no claims or violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in on a Nissan Altima 3.5 SR.

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

Should you raise deductibles?

The diagram below highlights how deductible choice and can change Chevrolet Malibu insurance premiums for each age group. The premiums are based on a single female driver, full coverage, and no other discounts are factored in.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Insurance rate increases from tickets or accidents

The illustration below highlights how speeding tickets and at-fault accidents raise Dodge Ram insurance costs for each different age category. The rates are based on a married female driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Lower rates by qualifying for discounts

Some insurance providers don't always list every policy discount very clearly, so the list below gives a summary of both the well known and also the lesser-known discounts that you may qualify for.Cheaper auto insurance with discounts

It's important to understand that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. So even though you would think all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will help reduce your policy cost.

The best auto insurance companies and some of the premium reductions they offer are outlined below.

When quoting, ask every insurance company how you can save money. Some discounts may not be available in every state. To view companies that can offer you the previously mentioned discounts in New York, follow this link.

What determines your policy premium?

Lots of factors are considered when you quote your car insurance policy. Most are fairly basic such as traffic violations, although some other factors are more transparent such as your marital status or how safe your car is. The best way to find cheaper insurance is to take a look at some of the elements that are used to determine your insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that may result in lower insurance prices.

The itemized list below are a few of the things used by companies to determine your rates.

Buying insurance from Floral Park insurance agencies

Some consumers would prefer to get advice from a local agent and doing that can be a smart decision Agents can help you choose the best coverages and help in the event of a claim. The best thing about price shopping on the web is that drivers can save money and get lower rates and still have a local agent.

Find insurance agent in Floral ParkFor easy comparison, once you complete this quick form, the quote information is sent to local insurance agents who can give free rate quotes for your business. There is no reason to drive around due to the fact that quote results will go directly to you. If you want to get a price quote from a specific insurance company, feel free to jump over to their website and complete a quote there.

Picking the best company requires you to look at more than just the premium amount. Any good agent in Floral Park should know the answers to these questions.

If you want to use a good insurance agency, there are two different agency structures and how they are slightly different. Insurance agents in Floral Park are either independent (non-exclusive) or exclusive. Both types of agents can sell affordable insurance policies, but it's worth learning the difference between them because it can factor into which type of agent you select.

Exclusive Insurance Agencies

Exclusive insurance agents can usually just insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive agents are usually well trained on what they offer which helps them compete with independent agents. Consumers often buy from exclusive agents mostly because of the prominent brand name rather than low price.

Independent Insurance Agents

Agents that elect to be independent do not have single company limitations so they can write business with an assortment of companies and find the cheapest insurance rates. If they find a cheaper price, they can switch companies in-house and you can keep the same agent.

When searching for an agent, you will definitely want to get insurance quotes from several independent agencies to have the best price comparison. Most independent agents also contract with smaller mutual companies that many times have cheaper rates.

Insurance claim statistics

Are you driving a vehicle that ranks well for claims? The tables below show the best and worst manufacturer models for the probability of having large claims for each type of coverage listed.

Manufacturer Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Dodge Charger
Land Rover Range Rover Sport Chevrolet Sonic
Chevrolet Corvette Kia Forte
Chevrolet Silverado 2500 Chevrolet Spark
Tesla Model S Nissan Versa
Ford F-250 SuperCrew Nissan Sentra

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

Lowest and Highest Collision Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Jeep Wrangler Maserati Ghibli
Ford Edge Maserati Granturismo
Mini Cooper Bently Continental GTC
GMC Canyon Bently Continental GT
Ford F-150 SuperCrew Audi RS7
Ford F-250 SuperCab Bentley Continental Flying Spur

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

Lowest and Highest Car Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Audi S7
Smart ForTwo BMW M6
Chevy Silverado 2500 Bentley Continental GTC
Ford F-350 Mercedes-Benz S Class
Chevy Spark Porsche Panamera GTS
Volvo V60 Bentley Continental GT

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

Lowest and Highest Auto Insurance Liability Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Chevrolet Impala
Audi A6 Chrysler 200
Fiat 500 Chevrolet Sonic
Acura MDX Mitsubishi Mirage
Mercedes-Benz SL Class Kia Rio
Volvo XC60 Dodge Charger

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

Cheap insurance prices are available

We've covered some good ideas how to lower your insurance premium rates in Floral Park. The most important thing to understand is the more times you quote, the better chance you'll have of finding cheap Floral Park car insurance quotes. Consumers could even find that the lowest premium rates are with a lesser-known regional company.

A few companies do not provide rate quotes online and these regional insurance providers work with independent insurance agencies. Affordable insurance in Floral Park can be sourced both online and from local agencies, and you should compare rates from both so you have a total pricing picture.

Consumers leave their current company for many reasons like extreme rates for teen drivers, high prices, poor customer service or even questionable increases in premium. Regardless of your reason for switching companies, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

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