Looking for ways to keep your New York auto insurance premiums manageable? Today you'll learn 9 easy ways you can save on your insurance without sacrificing coverage.
1. Driving Record
Your driving record plays a big role in how much you pay for insurance. By keeping a clean record for 3-5 years, you can save hundreds of dollars! Be a cautious driver, don't speed, and you'll lower your premiums. Some carriers go back 3 1/2 years, while others can look back as far as 5. Also, if you have a DWI or DUI, some carriers will look back as far as 10 years for this specific offense.
2. Driving Course
Defensive driving courses are an easy way to achieve an extra discount. They can also help keep a ticket from showing up and messing up your clean driving record. Make sure to call us before taking the class if you're using it for a discount so we can verify that your policy qualifies. You can now take the defensive driving course online. Visit our Facebook fan page for a discount on the online course.
3. Anti-Theft Devices
Installing an alarm or other anti-theft device can lower premiums on your vehicle. Other anti-theft mechanisms can also include OnStar, LoJack, and Vin etching. Make sure to discuss all features with us, sometimes even power locks and a remote can count!
4. Your Credit Score
While insurance uses a different formula then the credit bureaus, your credit still affects the rate you pay. Good credit can save you hundreds (even thousands) on your premiums! Make sure to review your report on a regular basis and have any mistakes corrected. Credit usually only counts when you are first purchasing insurance, but this can vary by company. Ask you agent about your insurance.
5. Where You Live
Rural areas pay less for insurance than the big cities do. It's all about risk and with a large population, there is more chance for an accident. Therefore, where you choose to live can impact your rates. Consider visiting with us before purchasing a home if you're concerned about the costs (it is based on the zip code). For example, Long Island auto insurance can cost less than if you lived in Queens. Similarly, Hudson Valley car insurance will on average be less than Westchester car insurance.
6. Your Vehicle
The vehicle you choose to purchase also makes a difference! Some vehicles cost a lot more to repair than others, which drives up their rates. Easy way to avoid buying a money-sucker? Call us first and let us quote the vehicle before you sign on the dotted line.
7. How Often You Drive
If you take public transportation and only drive on the weekend, you'll pay less than someone with a long commute. Make sure to review your annual mileage and daily commutes with us (especially if they change) so that you can receive the extra savings. Let us know if you carpool, this can make a difference. Also, we will want to be sure you are carrying adequate coverage if you are driving other people around.
8. Raise Your Deductible
A higher deductible (your out of pocket cost in a claim) means a lower monthly rate. If you have $1000 in savings and could afford to use it if you had an accident, then you'll save on your insurance cost by having a $1000 deductible instead of a $250. We can help you review the costs and benefits in your specific situation.
9. Your Agent
And the best way to save? Work with a local agent! You'll get the coverage you need plus you'll have an advocate working on your behalf to find the best rate, all the discounts, and an easy explanation of any gaps in your coverage. It's the #1 to control your risk, maximize your savings, and protect your family. We want to be your agent. Call us at 888-565-2212 to discuss your policy today.
We have even more discounts and other ways to save on your auto insurance. Call us today to find out how.888-565-2212 or contact us online at www.bryanagency.com. Bryan Insurance Agency, LLC is the leading car insurance agent in Long Island, the Hudson Valley and surrounding New York areas.