How long has it been since you shopped around for cheaper auto insurance rates in Syracuse, NY? Did you make the mistake of buying high-priced auto insurance? Believe me, you are not the only one feeling buyer's remorse.

Unbelievable but true according to a study the vast majority of consumers have purchased from the same company for well over three years, and 38% of customers have never taken the time to shop around. Most drivers in Syracuse could pocket about $840 a year by just comparing rate quotes, but they assume it's a waste of time to compare rate quotes online.

Lots of insurers contend for your insurance dollar, so it can be very hard to choose a insurer to get the lowest rate possible on auto insurance.

It's smart to price shop coverage as often as possible because auto insurance prices trend upward over time. Even if you think you had the lowest price on auto insurance a few years ago you can probably find a better rate now. Ignore everything you know about auto insurance because we're going to demonstrate how to use the internet to properly buy coverages while reducing your premium.

If you are insured now, you will most likely be able to get lower rates using these methods. Finding the cheapest insurance coverage in Syracuse can initially seem challenging. But New York drivers must know how big insurance companies charge you for coverage because it can help you find the best coverage.

Car insurance companies in New York

The providers in the list below are ready to provide price comparisons in New York. If multiple companies are listed, we suggest you visit as many as you can to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Syracuse
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $712 $356 $59
Chevrolet Silverado LS Extended Cab 2WD $756 $378 $63
Dodge Ram Quad Cab Sport 2WD $732 $366 $61
Ford Edge Sport 2WD $1,102 $551 $92
Ford Escape Limited 4WD $938 $469 $78
Ford F-150 XL Crew Cab 2WD $700 $350 $58
Ford Focus SE 2-Dr Coupe $1,002 $501 $84
Honda Accord EX 2-Dr Coupe $706 $353 $59
Honda CR-V LX 4WD $580 $290 $48
Honda Civic DX 2-Dr Coupe $970 $485 $81
Hyundai Sonata SE 4-Dr Sedan $832 $416 $69
Mazda 3 S Grand Touring 4-Dr Sedan $908 $454 $76
Nissan Altima Hybrid 4-Dr Sedan $1,242 $621 $104
Toyota Camry XLE $852 $426 $71
Toyota Corolla S $720 $360 $60
Toyota Tacoma Double Cab TRD Sport Package 4WD $796 $398 $66
Get Your Own Custom Quote Go

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium amounts do not factor in specific garaging location which can decrease or increase premiums considerably.

Auto insurance rates by gender and age

The chart below illustrates the comparison of insurance premiums for male and female drivers in Syracuse. The rates are based on no claims, a clean driving record, comprehensive and collision coverage, $100 deductibles, marital status is single, and no additional discounts are factored in on a Ford Focus SEL.

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

Don't neglect these seven discounts on insurance

Companies don't always publicize every discount very well, so we break down a few of the more common as well as the least known credits available to you.Discount insurance

Discounts lower rates, but most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like it's possible to get free car insurance, companies wouldn't make money that way. Any amount of discount will cut your premiums.

For a list of companies who offer discounts in New York, click here.

Get rate quotes but still have a local neighborhood Syracuse car insurance agent

Some consumers just want to go talk to an agent and doing so can bring peace of mind One of the great benefits of price shopping on the web is the fact that you can find cheap rate quotes and still have a local agent. Buying from local agents is especially important in Syracuse.

Insurance agents in SyracuseOnce you complete this simple form, your coverage information is immediately sent to agents in your area who want to provide quotes for your insurance coverage. You never need to contact an agency because quoted prices will be sent to the email address you provide. It's the lowest rates AND a local agent. If you want to get a comparison quote from a specific insurance provider, just visit that company's website and give them your coverage information.

Finding the right company shouldn't rely on just a cheap price. The questions below may impact your decision as well.

If you get answers to your satisfaction to any questions you may have as well as an affordable premium quote, you have narrowed it down to an insurance company that meets your needs to properly insure your vehicles.

Be skeptical of car insurance ads

Companies like GEICO, State Farm and Progressive continually stream television, radio, and online ads. All the companies tend to make the same promise that you'll save big just by switching your policy. That's great but how can every company charge you a lower premium? This is how they do it.

All companies have an ideal profile for the right customer they prefer to insure. An example of this type of risk profile might be described as between the ages of 30 and 45, insures multiple vehicles, and drives less than 5,000 miles a year. Any driver who meets those qualifications will get a cheap rate quote in Syracuse and as a result will probably save quite a bit of money when switching.

Potential insureds who may not quite match the requirements may be forced to pay higher premiums which translates to the prospect going elsewhere. The ads say "drivers that switch" not "everybody who quotes" save the amount stated. That is how companies can truthfully make it sound like they have such great premium rates.

Each company has different criteria, so it's extremely important to compare rate quotes every year. Because you never know which car insurance company will give you lower auto insurance rates than your current company.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on the average auto insurance policy.

Uninsured or underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Since a lot of drivers only carry the minimum required liability limits (25/50/10 in New York), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Liability coverages - Liability insurance will cover damage that occurs to other's property or people. This coverage protects you from legal claims by others. Liability doesn't cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/10 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like pain and suffering, attorney fees, medical expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford. New York requires drivers to carry at least 25/50/10 but it's recommended drivers buy more coverage.

Auto Insurance Liability Claims by Vehicle
Lowest Claims Highest Claims
Volvo XC60 Kia Rio
Chevrolet Corvette Chevrolet Sonic
Fiat 500 Dodge Charger
Acura MDX Chevrolet Impala
Subaru Forester Mitsubishi Mirage
Mercedes-Benz SL Class Chrysler 200

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive protection - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, damage from a tornado or hurricane, falling objects and vandalism. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Lowest and Highest Comprehensive Coverage Claims by Manufacturer Model
Lowest Claims Highest Claims
Smart ForTwo Maserati Quattroporte
Nissan Xterra Porsche Panamera GTS
GMC Sierra 2500 Mercedes-Benz S Class
Infiniti QX50 BMW M6
Nissan Leaf Audi S7
Ford F-350 Bentley Continental GTC

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision - This coverage covers damage to your vehicle from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Collision Claims by Vehicle
Lowest Claims Highest Claims
Nissan Xterra Bently Continental GT
Chevrolet Colorado Bentley Continental Flying Spur
Ford F-150 SuperCrew Audi RS7
Jeep Wrangler BMW M6
Ford F-250 SuperCab Maserati Granturismo
GMC Canyon BMW 6 Series

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical expense coverage - Med pay and PIP coverage pay for bills for X-ray expenses, pain medications, rehabilitation expenses, hospital visits and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Medical Payment Coverage Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford F-350 SuperCrew Nissan Sentra
Tesla Model S Mitsubishi Mirage
Chevrolet Silverado 3500 Chrysler 200
Land Rover Range Rover Sport Nissan Versa
Chevrolet Silverado 2500 Chevrolet Spark
Audi A4 Allroad Hyundai Accent

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Don't give up on cheap rates

As you prepare to switch companies, never buy less coverage just to save a little money. There have been many situations where consumers will sacrifice physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

We just presented many ideas to reduce auto insurance car insurance rates online in Syracuse. The most important thing to understand is the more providers you compare, the higher your chance of finding affordable Syracuse auto insurance quotes. You may even discover the lowest car insurance rates are with some of the lesser-known companies. Regional companies often have lower premium rates on specific markets than their larger competitors like Allstate and Progressive.

To learn more, link through to the resources below: