A high five and a hand full of cash.  If that sounds like a plan, then read on.  You are about to turn the corner on your efforts to save money.  In fact, in just a few minutes you could save hundreds of dollars.  How?  With a simple high five!  

Right now it is possible you are paying as much as $500 to $1,000 more for your car insurance each year!  Hit the brakes and take five because you will be high-fiving when you see how much you can reduce your New York car insurance rates.  All you have to do is follow our High Five steps.

Take Five!

Take five…or ten minutes to find out how much you may be able to save.  That few minutes now can make a significant difference in your premiums. 

Information from Nysurance.com might make you raise your eyebrows.  It says that if you live in the U.S., you are among those paying an average of $2,302 a year per capita to insure one car.  Too much?  If so, Here are Five Ways You Can Lower Your New York Car Insurance Rates.

1. Browse the Web.

Don’t just get a quote from your agent, browse the web.  Google your way to the answers.  Some web sites may want information about the car, coverage or more.  Click through the many sites online that let you compare and find lower rates. 

2. Bargain.

Now take your knowledge to your agent and talk about options.  A rate reduction may not even require you to switch insurance agents.  Bring your best online quote to your agent and ask him or her to beat it.  You might be surprised to find out that your agent just may be able to find a better rate.

3. Look at the Whole Package.

Okay, you found a lower rate, don’t stop there.  There are many other ways to shave off dollars from that New York car insurance bill.  

You already know that having a good driving record helps, but did you know having a good credit record can also make a difference.  Also, many people buy too much insurance or even duplicate insurance coverage in some areas, don’t be one of them.  Think about increasing your deductible for a savings of 15 to 40 percent, depending on the change.  Or consider buying your homeowners and car insurance from the same company.  This can simplify your insurance world significantly and save as much as five to fifteen percent in premiums. 

You can sometimes even save money by paying your bill with automatic payments, having anti-theft devices, owning a car with advanced safety devices or driving less than 7,500 miles per year.   Discounts are often offered to people who belong to certain organizations.  Even the younger drivers can save if they maintain good grades. 

4. Stop Before You Shop.

Your dream car just may cost more than you think when you add on insurance expenses.  Some cars simply cost more to insure.  The reason?  Some models are more likely to be stolen, involved in a crash or are more expensive to repair.  Find out where your car ranks before visiting the new or used car lots.  Insurance.com offers a list of vehicles with the highest and lowest claims rates.  Or go to the Highway Loss Data Institute where you can find information on practically every car on the market.

5. Drive Safe.  

This is important enough to highlight.  Consider that one accident can increase your rates by forty percent.  Speeding and other tickets also drive up the price of premiums significantly.

A clean driving record can give you rate discounts of five to ten percent.  So follow the law and drive carefully.

The are Five Ways You Can Lower Your New York Car Insurance Rates. 

Now take five, follow the High Five list of guidelines and then high five when you see the results!

See how much you could save today on your New York car insurance. Get your free auto insurance quotes

Tags: New York Auto Insurance