Tip 1 The best time to shop for a new car insurance policy is a month or so before you renewal date. When you give yourself enough lead time, you can carefully review all your options for coverage without having to make an immediate decision. Obtaining the right kind of protection is crucial to your financial security.
New York Auto Insurance also suggests that you review your coverage options bi-annually if not annually. Because of changes in your personal status, such as marriages or a child turning 16, your rates and available discounts are subject to change.
Tip 2 Before attempting to obtain quotes for car insurance, have the following information ready and available.
- Personal information like age, driver's license number and driving record.
- The make, model and year of your vehicle. Make sure to mention any additional safety features like car alarms and air bags.
- Past insurance history.
- What you can afford to pay in deductibles. Remember that if you opt for larger deductibles, your premium will be more affordable.
- Miscellaneous information that may help you obtain a discount. Things like a good driving record, driver's education courses, driving a minimal amount of miles and owning an eco-friendly car may save you some cash.
Tip 3 To take advantage of comparisons shopping, you must be certain to obtain quotes from several companies that reflect the exact same amount of coverage and deductibles. Make sure that you are receiving actual quotes for coverage and not just estimated costs. Comparison shopping online has never been easier and several sites are available for such use. Simply plug in your information and you will instantly receive quotes from several leading insurers.
Once you have thoroughly reviewed all your options, you will be able to make an informed decision in regards to what coverage and which company will work best for you. Contact New York Auto Insurance today for more details on obtaining quality car insurance coverage today.
