No one likes having to buy car insurance, especially when they are aware that it costs too dang much.

Statistics show that over 70% of consumers have purchased from the same company for at least the last four years, and about 40% of consumers have never quoted rates to find cheap coverage. Many consumers in Johnson City could save themselves approximately 45% a year just by getting comparison quotes, but they just don't understand the large savings they would see if they moved their coverage to a different company. People have multiple car insurance companies to purchase coverage from, and although it's nice to be able to choose, it can be more difficult to find the best rates.

It's a great practice to take a look at other company's rates before your policy renews because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on car insurance a couple years back there may be better deals available now. Forget all the misinformation about car insurance because you're about to find out the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

The following companies have been selected to offer comparison quotes in New York. If multiple companies are listed, it's a good idea that you click on several of them to get the most competitive price.

Insurance Rates for Popular Vehicles in Johnson City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $752 $376 $63
Chevrolet Impala LTZ $930 $465 $78
Chevrolet Silverado LT Regular Cab $672 $336 $56
Dodge Ram Quad Cab Laramie 2WD $822 $411 $69
Ford Edge Limited AWD $1,110 $555 $93
Ford Escape XLS 4WD $658 $329 $55
Ford F-150 STX Regular Cab 4WD $596 $298 $50
Ford Focus SES 2-Dr Coupe $1,012 $506 $84
GMC Sierra Denali Crew Cab 2WD $1,348 $674 $112
Honda Accord LX-P 4-Dr Sedan $706 $353 $59
Honda CR-V EX-L 2WD $606 $303 $51
Honda Civic DX 2-Dr Coupe $822 $411 $69
Hyundai Elantra SE 4-Dr Sedan $852 $426 $71
Kia Optima EX $1,208 $604 $101
Nissan Altima 2.5 S 2-Dr Coupe $916 $458 $76
Toyota Camry LE $938 $469 $78
Toyota Corolla XLE $972 $486 $81
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rates do not factor in Johnson City location which can impact price quotes greatly.

Comparison of policy deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The rates shown below illustrate the costs and benefits between low and high deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

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

Honda Civic insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $198 $412 $264 $16 $80 $995 $83
Civic VP 4-Dr Sedan $198 $484 $264 $16 $80 $1,067 $89
Civic LX 4-Dr Sedan $198 $484 $264 $16 $80 $1,067 $89
Civic DX 2-Dr Coupe $198 $484 $330 $20 $100 $1,157 $96
Civic EX 4-Dr Sedan $198 $484 $264 $16 $80 $1,067 $89
Civic LX-S 4-Dr Sedan $198 $484 $264 $16 $80 $1,067 $89
Civic LX 2-Dr Coupe $198 $558 $330 $20 $100 $1,231 $103
Civic EX-L 4-Dr Sedan $228 $558 $264 $16 $80 $1,171 $98
Civic SI 4-Dr Sedan $228 $558 $264 $16 $80 $1,171 $98
Civic EX 2-Dr Coupe $228 $558 $330 $20 $100 $1,261 $105
Civic GX 4-Dr Sedan $228 $558 $264 $16 $80 $1,171 $98
Civic EX-L 2-Dr Coupe $228 $558 $330 $20 $100 $1,261 $105
Civic Hybrid 4-Dr Sedan $258 $484 $264 $16 $80 $1,127 $94
Civic SI 2-Dr Coupe $258 $632 $330 $20 $100 $1,365 $114
Get a Quote for Your Vehicle Go
Honda Civic insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $110 $216 $264 $16 $80 $686 $57
Civic VP 4-Dr Sedan $110 $256 $264 $16 $80 $726 $61
Civic LX 4-Dr Sedan $110 $256 $264 $16 $80 $726 $61
Civic DX 2-Dr Coupe $110 $256 $330 $20 $100 $816 $68
Civic EX 4-Dr Sedan $110 $256 $264 $16 $80 $726 $61
Civic LX-S 4-Dr Sedan $110 $256 $264 $16 $80 $726 $61
Civic LX 2-Dr Coupe $110 $294 $330 $20 $100 $854 $71
Civic EX-L 4-Dr Sedan $126 $294 $264 $16 $80 $780 $65
Civic SI 4-Dr Sedan $126 $294 $264 $16 $80 $780 $65
Civic EX 2-Dr Coupe $126 $294 $330 $20 $100 $870 $73
Civic GX 4-Dr Sedan $126 $294 $264 $16 $80 $780 $65
Civic EX-L 2-Dr Coupe $126 $294 $330 $20 $100 $870 $73
Civic Hybrid 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
Civic SI 2-Dr Coupe $142 $332 $330 $20 $100 $924 $77
Get a Quote for Your Vehicle Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific location which can alter coverage rates greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $30 more each month or $360 annually than buying the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 30 months between claim filings, you would save more money by selecting a higher deductible.

Determine discounts on Johnson City car insurance

Car insurance is not an enjoyable expense, but there are discounts available to help offset the cost. Some discounts apply automatically at the time of purchase, but a few need to be inquired about in order for you to get them. If you aren't receiving every discount you deserve, you could be getting lower rates.Discount car insurance

You can save money using discounts, but many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. So even though you would think having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will positively reduce your policy premiums.

Larger car insurance companies and a selection of discounts are included below.

If you need low cost Johnson City car insurance quotes, ask every company how you can save money. Some discounts may not apply to policyholders in your state. If you would like to view insurers with the best car insurance discounts in New York, click here.

Learn how to lower your car insurance prices

Many different elements are considered when you get a price on insurance. Some factors are common sense such as your driving history, although others are not as apparent like where you live and annual miles driven.

Do you have enough liability coverage? - Liability coverage will afford coverage if you are determined to be liable for damages caused by your negligence. Liability provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.

Your gender affects premiums - Statistics show that females tend to be a little less risky than males. However, don't assume that women are better drivers. They both get in at-fault accidents at a similar rate, but the male of the species get into accidents with more damage. Not only are claims higher, but men receive more major tickets like DUI and reckless driving.

Put fewer miles on your vehicle - The higher the mileage driven every year the more you will pay for car insurance. A lot of insurance companies charge to insure your cars based on their usage. Cars that do not get driven very much receive better premium rates than those used for commuting. Ask your agent if your policy is rated on the right rating data.

Get hitched and pay lower rates - Walking down the aisle actually saves money on your policy. Marriage is viewed as being more stable financially and it's proven that being married results in fewer claims.

Raising coverage deductibles saves money - Deductibles for physical damage are the amount of money you are required to pay before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of covered claims would be rearending another vehicle, damage from fire, and damage from wind. The larger the amount you are required to pay out-of-pocket, the less your car insurance will be.

Improve your credit history and save - Credit score will be a significant factor in calculating your car insurance rates. Consumers who have high credit scores tend to be more responsible and file fewer claims as compared to drivers with poor credit. If your credit leaves room for improvement, you may save money insuring your vehicle by spending a little time repairing your credit.

Experienced drivers pay less - More experienced drivers are shown to be more cautious, statistically cause fewer accidents, and are generally more financially stable.Drivers with little experience are proven to be inattentive when behind the wheel therefore car insurance rates are much higher.

Continuous car insurance coverage lowers rates - Driving with no insurance is against the law and you may have a hard time finding new coverage because you let your insurance coverage expire. And not only will insurance be more expensive, being ticketed for driving with no insurance may result in a fine, jail time, or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with the New York motor vehicle department.

Why car insurance is not optional

Even though rates can get expensive, maintaining insurance is not optional due to several reasons.

The benefits of insuring your car are without a doubt worth the cost, especially if you ever need it. According to a 2015 survey, the average American driver overpays as much as $830 a year so you should quote your policy with other companies each time the policy renews to ensure rates are competitive.

Auto insurance overall losses by make and model

Which vehicles statistically have the most claims? The statistics below list the highest and lowest makes and models for overall likelihood of having large claims.

Vehicles with the Lowest and Highest Liability Coverage Claims
Lowest Claim Amount Highest Claim Amount
Acura MDX Chevrolet Sonic
Chevrolet Corvette Chevrolet Impala
Subaru Outback Kia Optima
Fiat 500 Hyndai Accent
Volvo XC60 Dodge Charger
Subaru Forester Mitsubishi Mirage

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Auto Insurance Collision Claims
Lowest Claim Amount Highest Claim Amount
Mini Cooper Audi RS7
Smart ForTwo Bentley Continental Flying Spur
Ford F-250 SuperCab Maserati Granturismo
GMC Canyon Bently Continental GTC
Chevrolet Colorado Bently Continental GT
Jeep Wrangler Maserati Ghibli

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto Insurance Comprehensive Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
GMC Sierra 2500 Porsche Panamera GTS
Smart ForTwo Mercedes-Benz S Class
Chevy Spark Bentley Continental GT
Nissan Xterra Bentley Continental GTC
Nissan Leaf Audi S7
Ford F-350 Maserati Quattroporte

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Medical Payment Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Ford Expedition Nissan Sentra
Land Rover Range Rover Sport Nissan Versa
Chevrolet Corvette Dodge Charger
Ford F-350 SuperCrew Hyundai Accent
Chevrolet Silverado 3500 Mitsubishi Mirage
Ford F-250 SuperCrew Chrysler 200

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Don't give up on affordable premiums

Low-cost auto insurance in Johnson City is possible from both online companies and from local agencies, so you should compare both to get a complete price analysis. Some auto insurance companies do not offer rate quotes online and many times these smaller providers only sell coverage through independent agencies.

While you're price shopping online, don't be tempted to buy poor coverage just to save money. There have been many cases where an insured dropped liability coverage limits and discovered at claim time that it was a big mistake. Your goal is to buy a smart amount of coverage at a price you can afford.

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