Trying to find low-cost insurance for a car in New York can normally be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to buy insurance and you need to know the absolute fastest way to compare rates for a new or used and get the lowest price.

It's a good habit to take a look at other company's rates at least once a year since insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on insurance two years ago there is a good chance you can find better rate quotes now. There is lot of inaccurate information about insurance on the web, but by reading this article, you're going to learn a lot of great tips on how to quit paying high insurance rates in Massapequa Park.

Buying the cheapest auto insurance in Massapequa Park can be much easier if you know how to start. If you have coverage now or need a new policy, you will benefit by learning to get lower rates without sacrificing coverage. Drivers only need an understanding of the proper methods to get comparison quotes online from multiple companies.

Cheap auto insurance companies in Massapequa Park

The companies in the list below offer comparison quotes in Massapequa Park, NY. If multiple companies are listed, it's highly recommended you compare several of them in order to get a fair rate comparison.

Insurance Estimates for Popular Vehicles in Massapequa Park
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $530 $265 $44
Chevrolet Impala LTZ $1,110 $555 $93
Chevrolet Silverado LTZ Extended Cab 2WD $804 $402 $67
Dodge Ram Crew Cab ST 2WD $806 $403 $67
Ford Escape Limited 4WD $774 $387 $65
Ford F-150 Lariat Crew Cab Harley 4WD $770 $385 $64
Ford Focus SES 2-Dr Coupe $1,002 $501 $84
GMC Sierra Denali Crew Cab 4WD $832 $416 $69
Honda Accord LX 4-Dr Sedan $890 $445 $74
Honda CR-V EX 2WD $752 $376 $63
Honda Civic EX 2-Dr Coupe $870 $435 $73
Kia Optima LX $1,074 $537 $90
Mazda 3 S Sport 4-Dr Sedan $890 $445 $74
Nissan Altima 2.5 S 2-Dr Coupe $908 $454 $76
Toyota Camry LE $792 $396 $66
Toyota Corolla LE $1,002 $501 $84
Toyota RAV4 Sport 4WD $1,138 $569 $95
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can change rates substantially.

Rate comparison for different deductibles

One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The rates below lay out the rate differences when you select higher and lower comp and collision deductibles. The first rate quote example uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

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

Toyota Camry insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $228 $412 $264 $16 $80 $1,025 $85
Camry SE $228 $484 $264 $16 $80 $1,097 $91
Camry XLE $228 $484 $264 $16 $80 $1,097 $91
Camry Hybrid $258 $484 $300 $18 $90 $1,175 $98
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Toyota Camry insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $166 $278 $264 $16 $80 $804 $67
Camry SE $166 $328 $264 $16 $80 $854 $71
Camry XLE $166 $328 $264 $16 $80 $854 $71
Camry Hybrid $188 $328 $300 $18 $90 $924 $77
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in specific location information which can change price quotes considerably.

Based on the data above, we can derive that using a $100 deductible costs an average of $19 more each month or $228 each year than quoting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 21 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

Premiums by gender and age

The example below illustrates the difference between auto insurance costs for male and female drivers in Massapequa Park. The premiums assume no claims or driving citations, full physical damage coverage, $250 deductibles, drivers are single, and no additional discounts are factored in on a Hyundai Elantra GLS Touring.

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

Determine discounts to get cheap Massapequa Park insurance rates

Some insurers don't list every disount available in an easy-to-find place, so here is a list both well-publicized as well as the least known discounts you could be receiving when you buy Massapequa Park auto insurance online.Discount insurance

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, that's just not realistic.

A few companies that have many of the previously listed discounts may include but are not limited to:

Before purchasing a policy, check with every prospective company to give you their best rates. Depending on the company, some discounts might not apply everywhere. To see a list of insurance companies that have a full spectrum of discounts in Massapequa Park, click here to view.

Why your premium might be higher

Part of the car insurance buying process is learning the rating factors that are used to determine the price you pay for car insurance. If you have some idea of what influences your rates, this allows you to make educated decisions that may reward you with cheaper rates. Many factors are part of the equation when you quote your car insurance policy. Some are obvious such as your driving history, but other factors are not as apparent like your vehicle usage or your vehicle rating.

The list below includes some of the things that factor into rates.

What type of vehicle do you drive? - The performance level of the vehicle you need to insure makes a big difference in your car insurance bill. The lowest premiums are usually for lower performance four cylinder passenger vehicles, but your final cost has many other factors.

Stay claim-free and lower car insurance rates - Auto insurance companies in New York give better rates to policyholders who file claims infrequently. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended for major claims that would cause financial hardship.

Pay less if you're married - Getting married can get you a discount on your car insurance policy. Having a significant other means you're more mature than a single person and it's statistically proven that married drivers tend to file fewer claims.

Qualify for multi-policy discounts - Most larger insurance companies apply a discount to policyholders that have more than one policy. It's known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. If you currently are using one company, consumers should still compare rates to verify if the discount is saving money.There is a good possibility that you can find better rates by buying insurance from more than one company.

Lower physical damage deductibles cost more - Insurance for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some examples of covered claims are a windshield shattered by a rock, vandalism, and rolling your vehicle. The deductibles you choose define the amount you are required to spend out-of-pocket before your car insurance pays a claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.

Driver age impacts costs - Inexperience drivers are proven to be easily distracted when driving with friends so car insurance rates are higher. Parents adding a youthful driver onto your car insurance can be quite pricey. Older insureds are more cautious drivers, are lower risk to insure, and receive fewer citations.

Always keep your policy in force - Having a gap between insurance policy dates can be a guaranteed way to bump up your car insurance costs. In addition to paying higher premiums, failure to provide proof of insurance may result in a fine, jail time, or a revoked license.

Where you call home plays a part - Residing in a rural area may provide you with better prices when buying car insurance. City drivers regularly have more aggressive driving styles and longer commutes to work. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft.

Don't give up on cheaper rates

You just learned a lot of ways to reduce auto insurance car insurance rates online in Massapequa Park. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. Consumers could even find that the biggest savings come from the smaller companies.

Insureds who switch companies do it for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, denial of a claim or policy cancellation. Whatever your reason, finding a new auto insurance company can be less work than you think.

When you buy Massapequa Park auto insurance online, you should never skimp on critical coverages to save a buck or two. There have been many cases where someone dropped uninsured motorist or liability limits and learned later they didn't purchase enough coverage. Your goal should be to purchase plenty of coverage at a price you can afford.

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