Locating low-cost quotes is rather challenging for vehicle owners who are new to comparison shopping over the internet. With dozens of insurance companies available, how are we expected to effectively compare every one to find the lowest rates?

Amazingly, a recent NerdWallet.com study showed that almost 70% of drivers in New York have bought insurance from the same company for a minimum of four years, and 38% of customers have never compared quotes from other companies. With the average premium in the U.S. being $1,847, drivers could save about 46.5% a year, but they underestimate the rate savings if they switched to a more affordable policy.

Locating the best rates in Hempstead can initially seem challenging. If you're already insured, you will be able to reduce the price you pay using the following tips. Although New York car owners can benefit from knowing the way insurance companies market insurance on the web and use it to find better rates.

When comparison shopping, there are several ways to compare prices from lots of New York insurance companies. The recommended way to find competitive insurance rates consists of obtaining rate quotes online. Just remember that obtaining a wide range of quotes helps you find the best rates. Some insurance companies are not set up to provide online price quotes, so it's important to also get rates from them, too.

The car insurance companies shown below have been selected to offer comparison quotes in Hempstead, NY. If your goal is to find cheap auto insurance in New York, it's highly recommended you visit several of them to get a more complete price comparison.

Insurance Price Estimates for Popular Vehicles in Hempstead
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $792 $396 $66
Chevrolet Silverado Crew Cab Hybrid 2WD $1,052 $526 $88
Dodge Grand Caravan SXT $626 $313 $52
Dodge Ram Quad Cab SLT 2WD $794 $397 $66
Ford Escape XLS 4WD $738 $369 $62
Ford Explorer XLT AWD $648 $324 $54
Ford F-150 XLT Regular Cab 4WD $654 $327 $55
Ford Focus S 4-Dr Sedan $918 $459 $77
Honda Accord EX 4-Dr Sedan $792 $396 $66
Honda CR-V EX-L 2WD $762 $381 $64
Honda Civic EX 2-Dr Coupe $1,038 $519 $87
Jeep Grand Cherokee Laredo 2WD $1,048 $524 $87
Nissan Altima Hybrid 4-Dr Sedan $958 $479 $80
Nissan Rogue SL 2WD $1,114 $557 $93
Toyota Camry SE $1,122 $561 $94
Toyota Corolla LE $662 $331 $55
Toyota RAV4 4WD $902 $451 $75
Toyota Tacoma Double Cab 4WD $962 $481 $80
Volkswagen Jetta S 4-Dr Sedan $800 $400 $67
Get Your Own Custom Quote Go

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease prices noticeably.

Annual premiums comparing men and women in Hempstead

The illustration below shows the difference between insurance costs for male and female drivers in Hempstead. The premiums assume a clean driving record, no claims, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in on a Toyota Corolla S.

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

Impact of violations and accidents on rates

The chart below shows how speeding tickets and accident claims influence Ford Focus auto insurance costs for different age groups of insureds. The rate quotes are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

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

These discounts can reduce car insurance rates

Some insurance providers don't always list every discount very well, so the below list has a few of the more common and also the more inconspicuous credits that may apply to you. If you do not check that you are getting every discount available, it's possible you qualify for a lower rate.Car insurance discounts

Drivers should understand that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it appears you could get a free car insurance policy, car insurance companies aren't that generous.

A few of the larger companies and a summarized list of policyholder discounts are included below.

If you need lower rates, check with all companies you are considering which discounts you qualify for. Depending on the company, some discounts may not apply to policyholders in your state.

Local neighborhood Hempstead car insurance agents

A lot of people would prefer to sit down with an agent and often times that is recommended A nice benefit of comparing insurance prices online is the fact that drivers can get cheaper prices and also buy local.

Hempstead insurance agentsFor easy comparison, once you complete this quick form, the coverage information is transmitted to participating agents in Hempstead who will give you quotes for your insurance coverage. You don't have to drive around due to the fact that quote results will go to you instantly. Get lower rates without requiring a lot of work. If you wish to get a price quote from a specific car insurance provider, you can always visit that company's website to submit a rate quote request.

Choosing a insurer should depend on more than just the premium amount. The following questions are important to ask.

Exclusive and independent Hempstead car insurance agents

When finding a good Hempstead insurance agent, you must know there are a couple different agency structures to choose from. Agencies in Hempstead can be categorized as either exclusive agents or independent agents.

Exclusive Insurance Agents

Agents that elect to be exclusive can only provide one company's prices like Allstate, AAA, Farmers Insurance, and State Farm. They are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies are usually quite knowledgeable on sales techniques which helps them compete with independent agents. Some consumers prefer to buy from exclusive agents mostly because of the brand legacy instead of buying on price only.

Independent Agents

These type of agents can quote rates with many companies and that allows them to write policies amongst many companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you don't have to find a new agent.

When shopping rates, we recommend you get insurance quotes from multiple independent agents so that you can do a thorough price comparison. They also have the ability to place coverage with small regional insurance companies that can offer cheaper rates than bigger companies.

Insurance agents can help

Always remember that when buying insurance from an agent or online, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's.Drive safe and save

These are some specific questions could help you determine whether your personal situation would benefit from an agent's advice.

If you can't answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don't have a local agent, take a second and complete this form.

Get lower-cost auto insurance with these tips

Multiple criteria are used in the calculation when quoting car insurance. Some of the criteria are obvious like an MVR report, although some other factors are less apparent such as your credit history or your financial responsibility.

Why you need insurance

Despite the fact that insurance is not cheap in Hempstead, insurance may be mandatory for several reasons.

The benefits of having insurance greatly outweigh the cost, particularly for liability claims. Today the average American driver is currently overpaying as much as $830 a year so you should quote rates once a year at a minimum to save money.

Quote. Compare. Save.

We covered quite a bit of information on how to compare insurance car insurance rates in Hempstead. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the most savings is with a smaller regional carrier.

Some companies don't offer rate quotes online and most of the time these small insurance companies only sell coverage through independent agencies. Budget-conscious insurance is attainable on the web and from local agencies, so you should compare both to get a complete price analysis.

Consumers change insurance companies for any number of reasons including lack of trust in their agent, high prices, policy non-renewal and even unfair underwriting practices. No matter why you want to switch, switching insurance companies is less work than it seems.

Much more information about insurance in New York can be found at the links below