Want to learn how to buy cheaper auto insurance rates in Kingston, NY? There isn't a single person who looks forward to buying auto insurance, especially when they know the prices are way too high.
It's hard to believe, but 70% of consumers have bought auto insurance from the same company for at least four years, and almost 40% of drivers have never even compared rates from other companies. Consumers in Kingston could save roughly 45% each year, but they just feel it's too hard to find lower-cost auto insurance rates.
Popular companies such as Allstate, Progressive and GEICO constantly blast consumers with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.
Auto insurance policy discounts
Companies don't always list every available discount very clearly, so the below list has a few of the more common and also the lesser-known discounts that you may qualify for.
- New Car Discount - Buying a new car model may earn a small discount due to better safety requirements for newer vehicles.
- Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
- Federal Government Employee - Active or retired federal employment can save as much as 8% depending on your company.
- First Accident Forgiveness - Not necessarily a discount, but some companies like State Farm, Progressive and GEICO will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
- Student Driver Training - Have your child enroll in driver's education as it can save substantially.
- Early Renewal Discounts - Some larger companies give discounts for renewing your policy before your current policy expires. You can save around 10% with this discount.
- Passenger Safety Discount - Cars that have air bags can get savings of 20% or more.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. Just because you may think adding up those discounts means a free policy, companies don't profit that way.
A few of the larger companies and a selection of discounts can be found below.
- Progressive includes discounts for multi-vehicle, homeowner, continuous coverage, multi-policy, good student, online quote discount, and online signing.
- AAA has discounts for AAA membership discount, anti-theft, multi-car, education and occupation, multi-policy, and pay-in-full.
- Farmers Insurance offers discounts for homeowner, good student, electronic funds transfer, bundle discounts, switch companies, pay in full, and alternative fuel.
- GEICO may include discounts for air bags, multi-vehicle, military active duty, five-year accident-free, defensive driver, and daytime running lights.
- Esurance policyholders can earn discounts including claim free, Switch & Save, paid-in-full, safety device, and defensive driver.
- SAFECO offers discounts including anti-theft, accident prevention training, anti-lock brakes, teen safe driver, and drive less.
- State Farm may offer discounts for Steer Clear safe driver discount, multiple policy, anti-theft, defensive driving training, and multiple autos.
If you want the cheapest Kingston car insurance quotes, ask all the companies which discounts you qualify for. Savings may not be offered everywhere. If you would like to see a list of insurance companies that offer the discounts shown above in Kingston, click this link.
When comparison shopping, there are several ways to obtain and compare prices from all the different companies. The best way to find the cheapest insurance rates is simply to get online rate quotes.
It's so simple to compare auto insurance price quotes online makes it obsolete to spend time driving to all the different Kingston insurance agencies. The ability to quote auto insurance online has made agencies unnecessary unless you have a complicated situation and need the extra assistance of a local agency. Drivers can price shop your coverage online and still use a local Kingston agent.
It's important to know that obtaining a wide range of quotes will enable you to find more affordable insurance. Not every company provides online quotes, so it's necessary to compare rates from them, too.
The companies shown below are our best choices to provide free quotes in Kingston, NY. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$758||$379||$63|
|Chevrolet Silverado LTZ Extended Cab 2WD||$1,304||$652||$109|
|Dodge Ram Crew Cab Laramie 2WD||$1,072||$536||$89|
|Ford Edge SEL 2WD||$616||$308||$51|
|Ford Escape XLT 4WD||$542||$271||$45|
|Ford Explorer Eddie Bauer AWD||$728||$364||$61|
|Ford F-150 XLT Regular Cab 4WD||$984||$492||$82|
|Ford Focus SE 4-Dr Sedan||$686||$343||$57|
|GMC Sierra SL Extended Cab 2WD||$922||$461||$77|
|Honda Accord EX 2-Dr Coupe||$790||$395||$66|
|Honda CR-V LX 2WD||$614||$307||$51|
|Honda Civic LX-S 4-Dr Sedan||$922||$461||$77|
|Honda Odyssey EX-L W/Rear Entertainment||$1,122||$561||$94|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$724||$362||$60|
|Kia Optima EX||$806||$403||$67|
|Nissan Altima Hybrid 4-Dr Sedan||$780||$390||$65|
|Toyota Camry Hybrid||$890||$445||$74|
|Toyota Corolla LE||$720||$360||$60|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$750||$375||$63|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Information does not factor in vehicle location which can raise or lower insurance rates noticeably.
Cost comparison with and without full coverage
The example below visualizes the comparison of Ford Escape yearly insurance costs when comparing full coverage to state minimum liability only. The prices are based on no claims or violations, $1,000 deductibles, married female driver, and no discounts are applied to the premium.
Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop buying physical damage coverage
There is no clear-cut formula to stop buying physical damage insurance, but there is a general convention. If the annual cost of having full coverage is 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let's pretend your Ford Escape claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying the physical damage deductible. If it's costing in excess of $200 annually for your policy with full coverage, then it might be time to buy liability only.
There are some scenarios where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Insurance agent or online?
Certain consumers just prefer to buy from a local agent and that is not a bad decision The biggest benefit of comparing rates online is that drivers can save money and get the best rates and still buy from a local agent. Buying from local insurance agents is definitely important in Kingston.
By using this simple form, the coverage information is transmitted to local insurance agents in Kingston that can provide free Kingston car insurance quotes for your insurance coverage. It's much easier because you don't need to drive around due to the fact that quote results will go immediately to you. You can find the lowest rates without having to waste a lot of time. In the event you want to compare rates from one company in particular, you just need to visit that company's website and fill out the quote form the provide.
If you want to use a reliable agent, it's helpful to know the types of insurance agents and how they can service your needs differently. Agents in Kingston are classified as either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
These type of agents can sell policies from many different companies so as a result can place your coverage amongst many companies and find you cheaper rates. To move your coverage to a new company, they simply move the coverage in-house and you stay with the same agent.
If you are trying to find cheaper rates, you should always check rates from at least one independent agent in order to have the best price comparison.
Exclusive Insurance Agencies
Agents in the exclusive channel are contracted to one company like State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to compare rates from other companies so they really need to provide good service. Exclusive insurance agents receive extensive training in insurance sales which helps them sell on service rather than price.
Picking an car insurance agent shouldn't rely on just a low price. Any agent in Kingston should be willing to answer these questions.
- What is the financial rating for the quoted company?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are they able to provide referrals?
- If your car is totalled, how to they determine the replacement cost?
- Is their price quote a firm figure or are their hidden costs?
- What insurance company do they write the most business with?
After getting good responses to these questions and locked in a price quote, you have narrowed it down to an insurance agency that is reliable enough to service your policy. Just understand that it's your coverage and you can terminate coverage when you choose so don't feel that you are permanently stuck with any particular company for the full term.
Insurance policy coverages
Having a good grasp of your insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.
Collision insurance pays for damage to your vehicle resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like colliding with a tree, crashing into a ditch, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance provide coverage for expenses like funeral costs, nursing services and EMT expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
Auto liability insurance
This will cover damages or injuries you inflict on other's property or people in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/10 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability can pay for claims such as medical expenses, funeral expenses, emergency aid, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible. New York requires drivers to carry at least 25/50/10 but you should consider buying more coverage.
This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things like damage from a tornado or hurricane, falling objects and hail damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your vehicle.
Since a lot of drivers only purchase the least amount of liability that is required (New York limits are 25/50/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
More comparisons equals cheaper rates
When you buy Kingston car insurance online, do not reduce needed coverages to save money. There have been many situations where an insured cut collision coverage and found out when filing a claim they didn't have enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.
You just learned many ideas to get a better price on car insurance in Kingston. The key concept to understand is the more you quote Kingston car insurance, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from some of the smallest insurance companies. Some small companies may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.
For more information, feel free to visit the resources below:
- Medical Payments Coverage (Liberty Mutual)
- What is the Best Auto Insurance in Coram, New York? (FAQ)
- What is the Cheapest Auto Insurance in Troy, New York? (FAQ)
- How Much are Car Insurance Quotes for a Honda Accord in New York? (FAQ)
- Who Has Affordable New York Car Insurance Rates for a Learners Permit? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- What is Full Coverage? (Allstate)