Would you like to find lower-priced auto insurance rates in White Plains, NY? No one in their right mind fancies paying their premiums for auto insurance, especially when they are aware that they could find lower prices if they just compared rates.
A recent study showed that the vast majority of consumers in New York have been with the same company for over three years, and 38% of customers have never quoted rates to find affordable coverage. American drivers could save $850 a year, but most just don't grasp the amount of money they would save if they just switched companies. Since drivers have many different company options, it's nearly impossible to pick the most cost effective auto insurance company.
Finding affordable insurance coverage in White Plains can initially seem challenging. If you currently have insurance, you will definitely be able to reduce premiums using this strategy. Drivers just have to learn the proper way to compare company rates online from multiple companies.
All major insurance companies allow consumers to get prices online. This process is quite easy as you simply enter your required coverages on the page. After you submit the form their rating system will order credit information and your driving record and returns pricing information based on these and other factors. This makes it simple to compare prices and it's also necessary to compare as many rates as possible in order to get the lowest payment possible.
To use this form to compare rates, take a look at the companies shown below. To compare your current rates, we recommend that you enter coverages and limits identical to your current policy. Doing this assures you are getting a rate comparison based on the exact same insurance coverage.
The car insurance companies shown below are our best choices to provide free rate quotes in New York. If multiple companies are listed, it's a good idea that you visit as many as you can in order to find the lowest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LTZ||$1,214||$607||$101|
|Chevrolet Malibu LS||$892||$446||$74|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,140||$570||$95|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$846||$423||$71|
|Ford Edge Sport AWD||$940||$470||$78|
|Ford Escape XLT 4WD||$794||$397||$66|
|Ford F-150 SVT Raptor Super Cab 4WD||$1,036||$518||$86|
|Ford Focus SES 2-Dr Coupe||$872||$436||$73|
|Ford Fusion Sport AWD 4-Dr Sedan||$1,086||$543||$91|
|GMC Sierra SL Crew Cab 4WD||$860||$430||$72|
|Honda Accord EX 4-Dr Sedan||$694||$347||$58|
|Honda CR-V EX-L 2WD||$774||$387||$65|
|Honda Civic EX-L 4-Dr Sedan||$1,172||$586||$98|
|Jeep Grand Cherokee Limited 2WD||$954||$477||$80|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,056||$528||$88|
|Toyota Camry LE||$1,054||$527||$88|
|Toyota Corolla XLE||$888||$444||$74|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific garaging location which can impact price quotes noticeably.
Price comparison of only insuring for liability
The information below examines Hyundai Sonata annual premium costs with and without physical damage coverage. The premiums are based on no claims or driving violations, $500 deductibles, married male driver, and no additional discounts are factored in.
Hyundai Sonata 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 specific rule to drop full coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let's say your Hyundai Sonata settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after the deductible is paid. If it's costing in excess of $500 a year for full coverage, then you may need to consider dropping full coverage.
There are some situations where removing full coverage is not in your best interest. If you haven't satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should maintain full coverage.
When to drop comprehensive and collision
There is no exact rule to stop buying full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let's say your Chevrolet Cruze settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after you pay the deductible. If you are currently paying more than $300 annually for your policy with full coverage, then you might consider buying liability only.
There are some cases where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Lower rate quotes on auto insurance with these auto insurance discounts
Companies that sell car insurance do not advertise every possible discount very clearly, so the following list contains a few of the more common and also the more inconspicuous discounts that may be available.
- Savings for New Vehicles - Buying a new car instead of a used car can get you a discount because newer vehicles have to meet stringent safety requirements.
- Membership in Organizations - Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next auto insurance statement.
- Discount for Home Ownership - Just owning your own home may trigger a policy discount on auto insurance since owning and maintaining a home is proof that your finances are in order.
- Student Discount for Driver Training - Have your child enroll and complete driver's education as it can save substantially.
- Defensive Driver - Participating in a course teaching driver safety skills could earn you a small percentage discount and also improve your driving technique.
- Save over 55 - If you qualify as a senior citizen, you may be able to get a slight reduction on a White Plains car insurance quote.
- Early Switch Discount - Select auto insurance companies give a discount for switching policies before your current expiration date. It could save around 10% when you buy White Plains car insurance online.
- Seat Belt Usage - Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
- Life Insurance Discount - Not every insurance company offers life insurance, but if they do you may earn a discounted auto insurance rate on car insurance if you buy life insurance.
Don't be shocked that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Despite the appearance that you could get a free auto insurance policy, you're out of luck.
If you would like to view auto insurance companies who offer discounts in New York, click here to view.
Choosing vehicle insurance is an important decision
Despite the fact that insurance is not cheap in White Plains, buying insurance is required in New York but it also protects you in many ways.
First, the majority of states have mandatory insurance requirements which means state laws require specific limits of liability insurance coverage in order to drive the car legally. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your vehicle, most banks will require you to have comprehensive coverage to guarantee payment of the loan. If the policy lapses, the lender may have to buy a policy to insure your vehicle at a much higher premium rate and require you to pay much more than you were paying before.
Third, insurance safeguards your vehicle and your assets. It will also pay for all forms of medical expenses incurred in an accident. As part of your policy, liability insurance will also pay for a defense attorney if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your vehicle greatly outweigh the cost, particularly if you ever have a claim. An average driver in America is wasting up to $750 every year so it's important to compare rates at every policy renewal to be sure current rates are still competitive.