Shop around and actively pursue discounts, including those for being a student, having a good academic record, taking a defensive driving course, paying in full and setting up automatic payments, and reporting low annual mileage. But, don’t ask your insurer to lower your rate outright, as many states have anti-rebating and illegal inducement laws against this practice.
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Keeping a Clean Driving Record
A clean driving record can make a big difference in how much you pay for car insurance. It can also save you money on other things, like car rentals.
Even if you’re a low-risk driver, the most important thing to do to save on auto insurance is shop around and compare quotes regularly. Insurance companies assess risk differently, and that can mean the same person might get wildly different rates from various insurers. Use online comparison tools to find the best value for your coverage.
You can also take steps to prevent a costly driving record, such as obeying speed limits and avoiding distracted or drunk driving. Taking safe driving seriously may also help you qualify for a good driver discount, which can bring your rates down considerably.
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While the cheapest car insurance isn’t always necessarily the most comprehensive, you should consider getting full coverage if possible. That’s because New York is a no-fault state, meaning drivers are responsible for paying their own medical bills and lost wages regardless of who caused the crash.
Having the best credit can also reduce your premium, especially if you’ve never filed a claim. In that case, NYCM ($1,635 annually) is typically the cheapest option for drivers in New York, followed by Progressive and USAA (available only to veterans, military members and their families).
Teenagers pay some of the highest rates because of their lack of experience behind the wheel, but they can still get cheap auto insurance by shopping around and comparing quotes. They should also try to avoid getting a ticket or having an accident, as these can raise rates significantly.
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