Finding the right NY State auto insurance policy often feels a bit like finding a needle in a haystack. Getting a good deal on that policy is more like finding a diamond in the desert. It could happen. Unfortunately, most of the drivers in New York don't believe it can happen to them. The good news is that drivers in New York can qualify for an auto insurance discount in many ways. Learn more about your options for deep discounts on your NY state auto insurance below.
Bundle Multiple Insurance Products with a Single Insurance Carrier
Insurance companies appreciate customer loyalty. They like it so much that they offer deeper discounts the more products you bundle. Insurance products vary from person to person or family to family and may be something as simple as having two auto policies with the same carrier or an auto policy bundled with any or all of the following:
- Renter's Policy
Beef Up Your Credit Score
Believe it or not, responsible financial habits often correlate with responsible driving habits. Insurance companies often run credit checks to help determine the costs for insurance policies. A higher credit score equates to lower insurance costs.
Go Accident Free
Many carriers are offering some sort of discounts for drivers who go accident free. Each carrier has its own variation on the theme. Some offer lower deductibles. Others offer rebates. Some simply offer discounted premiums, which mean more money in your pocket month after month.
Install GPS Tracking on Your Car
GPS tracking greatly improves the odds of recovery for stolen cars. In many instances, GPS devices in vehicles simply make the vehicle less attractive to thieves -- particularly those looking for a target of convenience. Cars equipped with OnStar, however, has taken stolen vehicle recovery a step further by offering features like Stolen Vehicle Slowdown and Remote Ignition Block that further improve the odds of a successful recovery once they've been stolen. This is something insurance companies like a lot and reward vehicle owners who have these types of security devices with lower premiums.
Take a New York State Defensive Driving Course
State law requires that insurance companies offer a 10 percent, minimum, discount, in the base rate of auto or motorcycle liability and collision insurance for three years following the completion of a New York Defensive Driving Course. When it comes to defensive driving NY State takes the benefits seriously.
New York State auto insurance can cost big bucks without taking advantage of one or more of the discounts mentioned above. Take advantage of as many as possible, including the New York State Defensive Driving Course for even deeper savings.