Locating cheaper insurance for a car in New York can normally be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for insurance so you're going to learn the absolute fastest way to quote coverages for a new or used and get the lowest possible price.

Smart consumers take time to compare rates before your next renewal because insurance prices change quite often. Even if you think you had the lowest price on insurance two years ago a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you're about to find out the tricks you need to know to lower your rates without sacrificing coverage.

Locating the best rates in Stony Point is actually not that difficult if you follow our advice. If you have coverage now or want to find a cheaper company, follow these tips to shop for the lowest rates without sacrificing coverage. You just have to use the best way to compare insurance rates using one simple form.

Car insurance companies in Stony Point

The companies in the list below can provide price quotes in New York. If your goal is to find cheap auto insurance in New York, we suggest you visit two to three different companies in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Stony Point
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $684 $342 $57
Chevrolet Silverado LT Extended Cab 2WD $894 $447 $75
Dodge Ram Quad Cab TRX4 Off Road 4WD $846 $423 $71
Ford Edge SEL AWD $670 $335 $56
Ford Escape Limited 2WD $774 $387 $65
Ford F-150 Lariat King Ranch 2WD $876 $438 $73
Ford Focus SES 4-Dr Sedan $826 $413 $69
Honda Accord LX-P 4-Dr Sedan $792 $396 $66
Honda CR-V EX-L 4WD $602 $301 $50
Honda Civic GX 4-Dr Sedan $1,172 $586 $98
Nissan Altima 2.5 S 2-Dr Coupe $1,304 $652 $109
Toyota Camry LE $804 $402 $67
Toyota Corolla XLE $832 $416 $69
Toyota Prius $900 $450 $75
Volkswagen Jetta 2.0T 4-Dr Sedan $752 $376 $63
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Table data does not factor in Stony Point location which can influence coverage rates substantially.

Deductible comparison

One frequently asked question is how high should the physical damage coverage deductibles be. The figures shown below can help you visualize the rate difference when you choose different comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Accord insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord LX 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord EX 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord LX-P 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord LX-P 4-Dr Sedan $178 $284 $226 $14 $68 $795 $66
Accord EX-L 4-Dr Sedan $204 $344 $226 $14 $68 $881 $73
Accord EX 2-Dr Coupe $204 $406 $300 $18 $90 $1,043 $87
Accord LX-S 2-Dr Coupe $204 $406 $300 $18 $90 $1,043 $87
Accord EX-L 2-Dr Coupe $230 $406 $300 $18 $90 $1,069 $89
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Honda Accord insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord LX 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord EX 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord LX-P 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord LX-P 4-Dr Sedan $144 $228 $226 $14 $68 $680 $57
Accord EX-L 4-Dr Sedan $166 $278 $226 $14 $68 $752 $63
Accord EX 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
Accord LX-S 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
Accord EX-L 2-Dr Coupe $188 $328 $300 $18 $90 $924 $77
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific garaging location which can lower or raise coverage prices greatly.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $10 more each month or $120 annually than selecting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average more than 25 months between claim filings, you would probably save some money going with the higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $250 deductibles: $74
Average monthly premium for $500 deductibles (subtract): - $64
Monthly savings from raising deductible: $10
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One thing to be aware of is that increasing deductibles to lower your rates results in more money out-of-pocket when you have to file a claim. That will necessitate some savings in the bank in the event you have to pay the higher deductible.

Accidents and violations increase rates

The information below shows how traffic citations and at-fault fender-benders can impact Chevrolet Tahoe insurance premiums for each different age group. The premium estimates are based on a married female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

These discounts can lower your insurance rates

Insurance is not an enjoyable expense, but there are discounts available that many people don't even know exist. Some of these discounts will be visible when you get a quote, but a few must be asked for before they will apply.Save money with discounts

Please keep in mind that some credits don't apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, companies don't profit that way.

Companies and their offered discounts are shown below.

When comparing rates, check with each company or agent to give you their best rates. Savings might not be offered in every state.

Local Stony Point insurance agents

A small number of people still like to talk to an insurance agent and doing so can bring peace of mind Most agents can help determine the best coverages and help you file claims. The best thing about comparing rate quotes online is that drivers can save money and get cheap insurance quotes and also buy local.

After completing this quick form, your insurance data is transmitted to agents in your area who will return price quotes for your insurance coverage. There is no need to leave your computer since price quotes are sent directly to your email. If for some reason you want to get a comparison quote from one company in particular, feel free to search and find their rate quote page and complete a quote there.

Choosing an insurer requires you to look at more than just a cheap price. Before buying a policy in Stony Point, get answers to these questions.

Insurance agent types

If you prefer to buy insurance from a reliable insurance agency, it's helpful to know the different agency structures that you can select. Stony Point agents are either independent (non-exclusive) or exclusive. Both types of agents can write insurance policies, but we need to point out how they differ because it can impact the kind of agent you use.

Exclusive Agencies

Agents that choose to be exclusive can only place business with one company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to shop your coverage around so they have no alternatives for high prices. Exclusive agents are very knowledgeable on their company's products which aids in selling service over price. Consumers often use the same agent mostly because of loyalty to the company rather than having low rates.

Independent Agents

These type of agents do not have single company limitations and that is an advantage because they can write policies amongst many companies and get you the best rates possible. If your premiums go up, they simply move the coverage in-house and you don't have to switch agencies. If you are comparing insurance prices, you absolutely need to contact at least one independent agent to get the most accurate price comparison. They also have the ability to place coverage with smaller companies which may provide better rates.

Big names are not always cheapest

New York consumers can't get away from all the ads for the lowest price insurance by Allstate, GEICO and Progressive. They all seem to say the same thing about savings if you get a free Stony Point car insurance quote and switch your coverage.

How is it possible that every company can charge you a lower premium? This is how they do it.

Insurance providers can use profiling for the type of insured they prefer to insure. One example of a profitable risk profile could be over the age of 45, has never had a policy lapse, and drives less than 7,500 miles a year. A customer who fits those characteristics will get very good Stony Point prices and therefore will save quite a bit of money when switching.

Consumers who do not fit this ideal profile will probably have to pay a higher rate which translates to the customer not purchasing. The trick companies use is to say "customers who switch" not "everybody who quotes" save that much when switching. That's the way companies can make it sound like they have such great prices. That is why drivers should compare as many free Stony Point car insurance quotes as you can. Because you cannot predict which company will be your best fit.

Be persistent to save money

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

We covered a lot of techniques to find cheaper coverage online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from some of the lesser-known companies.

People switch companies for many reasons like delays in responding to claim requests, being labeled a high risk driver, questionable increases in premium or policy non-renewal. Whatever your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.

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