How long has it been since you compared lower-priced auto insurance rates in Rochester, NY? Trying to find the cheapest insurance for a new or used car in New York can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to compare auto insurance rates and you need to know the best way to price shop coverage for a new or used and locate the best price possible either online or from Rochester insurance agents.

It's amazing but nearly 70% of customers have stayed with the same insurance company for at least four years, and practically 40% of auto insurance customers have never quoted rates to find cheap coverage. The average driver in the United States could save an average of about $860 each year, but they think it's difficult to find cheap auto insurance rates.

It is always a good idea to price shop coverage on a regular basis because auto insurance rates go up and down regularly. Even if you got the lowest premium rates on auto insurance two years ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you're going to learn the fastest and easiest way to find better rates and still maintain coverage.

Compare free Rochester car insurance quotes

The providers in the list below have been selected to offer free rate quotes in New York. If you wish to find the best auto insurance in New York, we suggest you compare several of them to get a more complete price comparison.

Insurance Price Estimates for Popular Vehicles in Rochester
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 2WD $1,078 $539 $90
Dodge Ram Quad Cab Laramie 2WD $1,080 $540 $90
Ford Edge Limited 2WD $1,018 $509 $85
Ford Escape XLS 2WD $888 $444 $74
Ford Explorer XLT 4WD $754 $377 $63
Ford F-150 FX2 Super Cab 2WD $1,062 $531 $89
Ford Focus SE 4-Dr Sedan $818 $409 $68
GMC Sierra SL Crew Cab 2WD $988 $494 $82
Honda Accord LX 4-Dr Sedan $530 $265 $44
Honda CR-V LX 4WD $704 $352 $59
Honda Civic LX-S 4-Dr Sedan $922 $461 $77
Hyundai Sonata Limited 4-Dr Sedan $1,002 $501 $84
Nissan Altima 2.5 4-Dr Sedan $1,030 $515 $86
Toyota Camry SE $982 $491 $82
Toyota Corolla LE $780 $390 $65
Toyota RAV4 Limited 2WD $808 $404 $67
Volkswagen Jetta LE 4-Dr Sedan $792 $396 $66
Get Your Own Custom Quote Go

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can affect price quotes noticeably.

Liability-only versus full coverage

The diagram below shows the difference between Ford F-150 auto insurance rates when comparing full coverage to state minimum liability only. The data assumes no violations or claims, $100 deductibles, married male driver, and no discounts are applied to the premium.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying comprehensive and collision coverage

There is no set rule to stop buying comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let's say your Ford F-150 settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying in excess of $400 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few situations where buying only liability insurance is not recommended. If you haven't paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

Policy deductibles

The example below demonstrates how deductible levels and can change Toyota Camry insurance rates for each age group. The data assumes a married male driver, full coverage, and no discounts are taken into consideration.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Three main reasons to buy car insurance

Despite the high cost, buying car insurance is not optional due to several reasons.

First, the majority of states have minimum mandated liability insurance limits which means state laws require a minimum amount 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 lenders will stipulate that you buy insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank will be required to insure your vehicle at a much higher premium rate and require you to pay the higher premium.

Third, car insurance protects not only your vehicle but also your financial assets. It also can pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of carrying enough insurance definitely exceed the price paid, particularly for liability claims. On average, a vehicle owner in Rochester is wasting up to $750 every year so it's recommended you shop around at least once a year to ensure rates are competitive.

Get cheaper rates on auto insurance with these auto insurance discounts

Auto insurance can be pricey, but there's a good chance there are discounts that many people don't even know exist. Some trigger automatically when you get a quote, but a few must be specially asked for before being credited.Cheaper auto insurance with discounts

Don't be shocked that some credits don't apply to the whole policy. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn't make money that way.

A list of companies and a selection of discounts include:

When getting free Rochester car insurance quotes, it's a good idea to every insurance company how many discounts you can get. Savings may not apply in every state.

Get rate quotes but buy from a local Rochester insurance agent

A lot of people still like to buy from a local agent and that is just fine! Licensed agents can point out coverage gaps and help file insurance claims. An additional benefit of getting online price quotes is that drivers can save money and get the lowest rates but still work with a licensed agent.

Find insurance agent in RochesterBy using this short form, your insurance data is submitted to agents in your area that can provide free Rochester car insurance quotes and help you find cheaper coverage. You won't even need to even leave your home since price quotes are sent to you directly. If you have a need to get a rate quote from a specific car insurance provider, you would need to visit that company's website and submit a quote form there.

Picking an insurer needs to be determined by more than just the price. Below are some questions you should ask.

Listed below is a list of car insurance companies in Rochester that may be willing to give comparison quotes.

More Rochester agents

More comparisons equals cheaper rates

We just covered a lot of tips how to shop for auto insurance online. It's most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers may even find the biggest savings come from a smaller regional carrier.

Drivers leave their current company for many reasons like policy cancellation, poor customer service, an unsatisfactory settlement offer or lack of trust in their agent. Regardless of your reason for switching companies, switching auto insurance companies is easier than you think.

When searching for affordable Rochester car insurance quotes, do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

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