Locating the cheapest insurance for a new or used car in New York can be an all-consuming task, but you can learn our insurance buying tips to save time. There are both good and bad ways to find insurance online so you're going to learn the quickest way to price shop coverage for your and locate the lowest possible price either online or from Westbury insurance agents.

It's a good idea to compare prices at least once a year because insurance prices are constantly changing. Just because you found the best deal on insurance six months ago you may be paying too much now. Forget all the misinformation about insurance because you're going to learn the fastest way to remove unneeded coverages and save money.

If you are insured now or want to find a cheaper company, you can learn to cut your premiums while maintaining coverages. Comparing rates for the lowest-priced protection in Westbury is easy to do. Consumers just need to understand the most efficient way to get comparison rates from many different companies online.

The easiest way to compare policy rates takes advantage of the fact car insurance companies participate in online systems to give rate comparisons. To start a quote, the only thing you need to do is provide a small amount of information including what you do for a living, if you have a valid license, any included safety features, and marital status. The data is automatically sent to multiple different insurance companies and you should receive rate quotes very quickly.

To compare multiple company rates now, click here and enter your zip code.

The companies shown below are our best choices to provide price quotes in New York. To find cheap auto insurance in New York, we suggest you click on several of them in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in Westbury
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Crew Cab 2WD $1,078 $539 $90
Dodge Grand Caravan CV $862 $431 $72
Dodge Ram Crew Cab ST 2WD $1,098 $549 $92
Ford Escape Limited 4WD $852 $426 $71
Ford F-150 Lariat King Ranch 2WD $750 $375 $63
Ford Focus SEL 4-Dr Sedan $980 $490 $82
Ford Fusion Sport AWD 4-Dr Sedan $1,094 $547 $91
Honda Accord LX-P 4-Dr Sedan $624 $312 $52
Honda CR-V EX-L 2WD $602 $301 $50
Honda Civic EX 2-Dr Coupe $766 $383 $64
Jeep Grand Cherokee Limited 4WD $890 $445 $74
Mazda 3 I Sport 4-Dr Sedan $780 $390 $65
Nissan Altima 2.5 S 4-Dr Sedan $972 $486 $81
Nissan Rogue S AWD $922 $461 $77
Toyota Camry LE $800 $400 $67
Toyota Corolla XLE $738 $369 $62
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in zip code location which can decrease or increase auto insurance rates noticeably.

Responsible drivers pay cheaper auto insurance rates

The chart below illustrates how violations and fender-benders drive up GMC Acadia car insurance rates for each age group. Data assumes a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Higher deductibles save money

One frequently asked question is the level to set your comp and collision deductibles. The comparisons below highlight the rate difference when you choose different deductibles. The first data table uses a $100 physical damage deductible and the second price grid uses a $500 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
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Honda Civic insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $144 $278 $264 $16 $80 $782 $65
Civic VP 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Civic LX 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Civic DX 2-Dr Coupe $144 $328 $330 $20 $100 $922 $77
Civic EX 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Civic LX-S 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Civic LX 2-Dr Coupe $144 $378 $330 $20 $100 $972 $81
Civic EX-L 4-Dr Sedan $166 $378 $264 $16 $80 $904 $75
Civic SI 4-Dr Sedan $166 $378 $264 $16 $80 $904 $75
Civic EX 2-Dr Coupe $166 $378 $330 $20 $100 $994 $83
Civic GX 4-Dr Sedan $166 $378 $264 $16 $80 $904 $75
Civic EX-L 2-Dr Coupe $166 $378 $330 $20 $100 $994 $83
Civic Hybrid 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
Civic SI 2-Dr Coupe $188 $426 $330 $20 $100 $1,064 $89
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific location information which can influence rates greatly.

Based on this data, using a $100 deductible would cost the average driver about $21 more each month or $252 each year than requesting the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 19 months between claims, you would more than likely save some money if you elect the higher deductible.

Best and worst vehicle claim statistics

Does your vehicle tend to have claims? The claim statistics below show the best and worst vehicles for likelihood of having claims for each type of coverage listed.

Comprehensive Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Chevy Silverado 2500 Bentley Continental GTC
Volvo V60 BMW M6
Chevy Spark Bentley Continental GT
Ford F-350 Maserati Quattroporte
Infiniti QX50 Mercedes-Benz S Class
GMC Sierra 2500 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Auto Insurance Medical Payment Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Land Rover Range Rover Sport Chevrolet Spark
Audi A4 Allroad Mitsubishi Mirage
Ford F-250 SuperCrew Mitsubishi Lancer
Chevrolet Corvette Kia Forte
Tesla Model S Chevrolet Sonic
Ford F-350 SuperCrew Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

Collision Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Smart ForTwo Bently Continental GTC
Jeep Wrangler BMW M6
Ford Edge Audi RS7
Ford F-250 SuperCab Bently Continental GT
Mini Cooper Maserati Granturismo
GMC Canyon Nissan GT-R

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Liability Coverage Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Acura MDX Chevrolet Impala
Chevrolet Corvette Dodge Charger
Fiat 500 Chevrolet Cruze
Audi A6 Kia Rio
Volvo XC60 Kia Optima
Mercedes-Benz SL Class Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years