How long has it been since you compared quotes for more competitive auto insurance rates in Newburgh, NY? Are you confused by the wide range of auto insurance choices in your area? Drivers have so many choices to choose from that it can easily become a burden to locate the lowest premium rates. Newburgh is the perfect city to reside in, but the high premiums for auto insurance can make it nearly impossible for many drivers to purchase enough protection.

Astonishing but true, most auto insurance buyers have stayed with the same insurance company for at least four years, and 38% of drivers have never compared rates to find cheaper insurance. Consumers in Newburgh could save an average of about $840 each year by just comparing quotes, but most tend to underestimate the amount of money they would save if they bought a different policy.

These discounts can lower your auto insurance rates

Auto insurance is easily one of your largest bills, but you may qualify for discounts that can dramatically reduce your bill. Certain credits will be shown when you quote, but occasionally some discounts must be requested specifically before being credited. If you aren't receiving every discount you deserve, you may be paying too high a price.Save money with discounts

It's important to understand that some credits don't apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. So even though you would think you can get free auto insurance, it just doesn't work that way. Any qualifying discounts will positively reduce the premium cost.

Some of the larger companies who may offer these benefits include:

Check with each company or agent the best way to save money. Some credits might not be offered in Newburgh.

Low cost car insurance prices in Newburgh, NY

When comparison shopping, there are several ways to compare prices from lots of New York car insurance companies. The best way to find cheaper rates involves getting comparison quotes online.

When quoting car insurance, remember that comparing more quotes helps increase your odds of locating the best price.

The companies shown below have been selected to offer comparison quotes in New York. If you wish to find the cheapest auto insurance in New York, we suggest you visit as many as you can to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in Newburgh
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $712 $356 $59
Chevrolet Malibu LT $820 $410 $68
Chevrolet Silverado LT Extended Cab 4WD $740 $370 $62
Dodge Ram Crew Cab Sport 4WD $942 $471 $79
Ford Escape XLS 4WD $676 $338 $56
Ford F-150 STX Super Cab 4WD $750 $375 $63
Ford Focus SE 2-Dr Coupe $790 $395 $66
GMC Sierra SLE Regular Cab 2WD $892 $446 $74
Honda Accord LX-S 2-Dr Coupe $1,174 $587 $98
Honda CR-V EX-L 4WD $542 $271 $45
Honda Civic EX-L 4-Dr Sedan $694 $347 $58
Hyundai Elantra GLS Touring Station Wagon $520 $260 $43
Kia Optima SX $1,186 $593 $99
Mazda 3 I SV 4-Dr Sedan $728 $364 $61
Nissan Altima 3.5 SR 2-Dr Coupe $1,010 $505 $84
Nissan Rogue S 2WD $780 $390 $65
Toyota Camry Hybrid $798 $399 $67
Toyota Corolla XRS $842 $421 $70
Volkswagen Jetta SE 4-Dr Sedan $872 $436 $73
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in Newburgh location which can modify premium rates noticeably.

Auto insurance rates by age and gender

The diagram below visualizes the comparison of premium costs for male and female drivers in Newburgh. The premium estimates are based on no driving violations, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no policy discounts are applied on a Kia Optima SX.

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

Should you raise deductibles?

A question often asked by Newburgh drivers is where to set your physical damage deductibles. The rates below highlight the differences in price of buying low and high physical damage coverage deductibles. The first set of rates uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Escape insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $178 $284 $226 $14 $68 $795 $66
Escape XLS 4WD $178 $284 $226 $14 $68 $795 $66
Escape XLT 2WD $178 $284 $226 $14 $68 $795 $66
Escape Limited 2WD $204 $284 $226 $14 $68 $821 $68
Escape XLT 4WD $204 $284 $226 $14 $68 $821 $68
Escape Limited 4WD $204 $344 $226 $14 $68 $881 $73
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Ford Escape insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $110 $178 $226 $14 $68 $596 $50
Escape XLS 4WD $110 $178 $226 $14 $68 $596 $50
Escape XLT 2WD $110 $178 $226 $14 $68 $596 $50
Escape Limited 2WD $126 $178 $226 $14 $68 $612 $51
Escape XLT 4WD $126 $178 $226 $14 $68 $612 $51
Escape Limited 4WD $126 $216 $226 $14 $68 $650 $54
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific zip code location which can affect coverage prices noticeably.

Based on this data, using a $250 deductible would cost the average driver about $17 more each month or $204 a year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 44 months between claims, you would probably be better off by going with a higher deductible.

Different people need different insurance coverages

Keep in mind that when it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Your needs are unique to you and your policy should reflect that.Higher deductibles save money For example, these questions might point out whether you would benefit from professional advice.

If you're not sure about those questions, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can go here for a list of companies in your area.

In conclusion

When searching for affordable Newburgh car insurance quotes, it's not a good idea to reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at the best price, but do not skimp to save money.

Lower-priced insurance in Newburgh can be purchased on the web and also from your neighborhood Newburgh agents, and you should compare rates from both in order to have the best chance of saving money. Some companies do not provide rates over the internet and usually these regional insurance providers prefer to sell through local independent agents.

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