Do you need a better way to compare lower-priced insurance rates in Halfmoon, NY? There isn't anyone who rejoices having to buy insurance, particularly when the cost is too high.

Amazingly, a recent NerdWallet.com study showed that almost 70% of insureds have stayed with the same insurance company for at least the last four years, and almost 40% of drivers have never compared rates from other carriers. Many consumers in New York could save themselves nearly 45% a year just by getting comparison quotes, but most undervalue the amount of money they would save if they changed companies.

Because there are so many choices of insurance companies, it is very difficult to find a more affordable insurer.

Comparison shopping for the best auto insurance policy in Halfmoon is not as difficult as people think. Practically every car owner who wants cheaper auto insurance should find lower prices. Nevertheless, New York vehicle owners should learn the methods companies use to calculate your policy premium.

When comparison shopping, there are several ways to compare rate quotes from companies that offer auto insurance in New York. The easiest way to lower the rate you pay for insurance consists of obtaining rate quotes online.

Getting price quotes online is very simple and it makes it a waste of time to drive around to insurance agents' offices. The internet makes this process obsolete unless you want the professional assistance only provided by licensed Halfmoon agents. It is possible to compare the best prices online and still use a local Halfmoon agent.

When comparing auto insurance rates, know that having more price comparisons increases the chance that you will find a better price. Not every company allows you to get online quotes, so it's important to compare price estimates from them, too.

The companies shown below provide comparison quotes in New York. If multiple companies are listed, we recommend you visit several of them to find the most affordable auto insurance rates.

Insurance Rates for Popular Vehicles in Halfmoon
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LT $850 $425 $71
Chevrolet Silverado LT Crew Cab 2WD $960 $480 $80
Dodge Ram Quad Cab ST 2WD $1,124 $562 $94
Ford Escape XLS 2WD $588 $294 $49
Ford Explorer Eddie Bauer 2WD $774 $387 $65
Ford F-150 Lariat Super Cab 4WD $642 $321 $54
Ford Focus SES 2-Dr Coupe $1,034 $517 $86
Honda Accord EX 2-Dr Coupe $832 $416 $69
Honda CR-V LX 4WD $774 $387 $65
Honda Civic GX 4-Dr Sedan $938 $469 $78
Hyundai Sonata SE 4-Dr Sedan $1,174 $587 $98
Nissan Altima Hybrid 4-Dr Sedan $1,242 $621 $104
Toyota Camry SE $1,102 $551 $92
Toyota Corolla S $1,122 $561 $94
Toyota RAV4 Limited 2WD $780 $390 $65
Toyota Tacoma 2WD $1,108 $554 $92
Volkswagen Jetta SE 2.5 Station Wagon $942 $471 $79
Get Your Own Custom Quote Go

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in specific garaging location which can affect rates noticeably.

Liability-only versus full coverage

The chart below shows the difference between Honda Accord insurance costs with and without full coverage. The premiums assume no violations or accidents, $250 deductibles, single male driver, and no discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Guidelines for dropping full coverage

There is no definitive rule to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let's pretend your Honda Accord claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after paying the physical damage deductible. If it's costing in excess of $500 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some scenarios where only buying liability is not recommended. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder's interest in the vehicle. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Impact of careless driving on car insurance rates

The diagram below shows how violations and accident claims can affect Honda Civic car insurance costs for different ages of insureds. The data is based on a single female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Take advantage of every auto insurance discount

Auto insurance is expensive, but you may be missing some discounts that can drop the cost substantially. Many discounts should be triggered when you get a quote, but some discounts are required to be manually applied prior to getting the savings.Discount auto insurance

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like it's possible to get free car insurance, you aren't that lucky.

If you would like to see a list of providers that offer multiple discounts in New York, click here.

Why you need to buy auto insurance

Despite the fact that auto insurance is not cheap in Halfmoon, paying for auto insurance serves an important purpose.

The benefits of buying enough insurance definitely exceed the price paid, especially when you need to use it. Despite what companies tell you, the average driver is overpaying over $830 a year so compare rate quotes every year to help ensure money is not being wasted.

Auto insurance can get complicated

Always remember that when buying adequate coverage, there really isn't a best way to insure your cars. Your needs are not the same as everyone else's and your auto insurance should be unique as well.Drive safe and save For instance, these questions can aid in determining whether your personal situation could use an agent's help.

If it's difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier

Buying insurance from Halfmoon car insurance agents

A lot of people just prefer to get advice from a local agent and that is a personal choice. A nice benefit of getting free rate quotes online is the fact that drivers can get the lowest rates but still work with a licensed agent. And buying from local insurance agencies is especially important in Halfmoon.

Insurance agency in HalfmoonBy using this quick form, your insurance coverage information gets sent to agents in your area who will gladly provide quotes for your coverage. You won't need to contact an agency because prices are sent to you. You can find lower rates without a big time investment. If you want to compare prices from a specific company, don't hesitate to navigate to their website and fill out their quote form.

If you are wanting to find a reputable insurance agent or broker, there are two different agency structures and how they are distinctly different. Agencies in Halfmoon are categorized either exclusive agents or independent agents.

Independent Insurance Agencies

Agents in the independent channel do not work for one specific company so they can quote policies through lots of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they can switch companies in-house which makes it simple for you. When shopping rates, it's recommended you get rate quotes from several independent agencies to have the most options to choose from.

Exclusive Agents

Agents of this type are contracted to one company like State Farm, Allstate and AAA. They usually cannot place coverage with different providers so it's a take it or leave it situation. Exclusive agents receive extensive training in insurance sales and that can be a competitive advantage.

Selecting an insurance agent shouldn't rely on just a cheap price. These are valid questions to ask:

After you get acceptable answers to your questions in addition to an acceptable price estimate, most likely you have located an insurance agent that is reliable enough to adequately provide insurance. Just remember it's your policy and you can cancel your coverage whenever you choose to so don't think that you are permanently stuck with any specific company for the full policy term.

Car insurance claim information

Are you driving a vehicle that ranks well for claims? The claim statistics below show the best and worst vehicle models for the probability of filing claims for each type of coverage listed.

Bodily Injury Liability Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Fiat 500 Mitsubishi Lancer
Volvo XC60 Dodge Charger
Audi A6 Kia Optima
Subaru Outback Chevrolet Cruze
Acura MDX Kia Rio
Chevrolet Corvette Chevrolet Sonic

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Collision Claims
Lowest Overall Losses Highest Overall Losses
Smart ForTwo Maserati Granturismo
Ford F-150 SuperCrew Ferrari 458
GMC Canyon Bently Continental GTC
Ford F-250 SuperCab Maserati Ghibli
Jeep Wrangler Bentley Continental Flying Spur
Nissan Xterra Bently Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Ford Expedition Mitsubishi Mirage
Land Rover Range Rover Sport Chrysler 200
Chevrolet Corvette Kia Forte
Ford F-250 SuperCrew Chevrolet Sonic
Tesla Model S Nissan Versa
Ford F-350 SuperCrew Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Overall Losses Highest Overall Losses
Chevy Spark Maserati Quattroporte
Infiniti QX50 Bentley Continental GT
Nissan Xterra Audi S7
Ford F-350 BMW M6
Chevy Silverado 2500 BMW M6
Smart ForTwo Bentley Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years