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Feifer & Greenberg, LLP
Call Us: (888) 842 - 5384
                                (TicketHELP)

What can you do to lower your automobile insurance?

When someone receives a traffic ticket in New York, one of the primary concerns is a potential increase in automobile insurance rates. Clients ask all the time…”how can I keep my automobile insurance as low as possible?”

It’s hard to pinpoint exactly how much of an insurance increase a traffic ticket can cause.  Feel free to read our limited take on that here:  Insurance increases from a NY traffic ticket.

Regardless of how much of an increase in insurance a traffic tickets may cause, there are a number of things you can do to help lower your existing insurance rates and keep them low moving forward. Here are some tips for keeping auto insurance low.

Of all the actions that can be taken to keep insurance low, nothing compares to shopping around.  Consumers who shop get better value for their insurance dollar than those who do not.  It’s the single most proven and successful strategy when it comes to keeping car insurance low.

Why get competing insurance quotes?

The automobile insurance industry is a competitive industry in general.

According to the New York State Insurance Department’s 2007 Consumer Guide to Automobile Insurance:

“There is active competition among auto insurers in New York
State…Rates can vary considerably among insurers…Therefore,
it is always a good idea to obtain quotes from several insurers.

Today, it’s more competitive than ever.  Current economic conditions and credit issues have taken thousands of cars off the road and caused the cancellation of thousands of policies covering these cars.

Whether you have an excellent driving record or a poor record, a quick check just might show that you may be able to lower your existing rates.

if you have traffic tickets pending (issued but haven’t gone to court yet), now is definitely the time to check.  On top of the competitive rates being offered, right now may be your best (and last) opportunity to take advantage of your record as it currently stands.

No matter your situation, you may be surprised to learn that auto insurance premiums for the exact same coverage on the same car can vary widely (by hundreds of dollars) between different insurers.

How to get competing quotes

There are many websites that enable people to compare insurance quotes from some of the most popular insurance companies all at once. It takes only a few minutes and it can’t hurt to see if cheaper rates may be available from a number of top companies. While sites may differ, you should probably have your current registration handy to help answer some of the questions about your vehicle and have your current auto insurance policy handy to help answer questions about the type and amount of coverage you currently have.