If you’re a driver in Suffolk County, you know that automobile insurance can be a huge portion of your overall transportation expenses. Yes, there are ways to pay less, but many of the most popular cost-saving strategies recommended by experts are time-consuming and unrealistic. If you want to lower the cost of your auto insurance in Suffolk County NY, here are the easiest ways to save.
Raise Your Deductible
One of the easiest ways to save big on the overall cost of your auto insurance premium is to raise your deductible. For example, raising your deductible from $200 to $1,000 could save you 40% on the yearly cost of your insurance premium, according to the FCIC. That’s a substantial savings for a simple phone call.
Shop Around
Like any business, your insurance company’s rates will change from year to year. What may be a great price for Auto Insurance in Suffolk County NY one year may be an over-inflated price the next. That’s why it pays to shop around for Auto Insurance every year or so. Often, local insurance companies will be able to offer you better rates than big national companies. In Suffolk County, contact to see if a local insurance company fits your needs better.
Ask About Discounts
Sometimes, all you need to do is ask your insurance agent whether or not you’re eligible for discounts to save a significant amount of money. Students, senor citizens, new parents and military veterans are some of the people who are usually eligible to receive insurance discounts of 10% or more. If you work from home or put less than 10,000 miles on your vehicle annually, you may also be entitled to low-mileage discounts. Contact your insurance agent to see if you can receive any of these discounts.
Bundle Your Policies
Purchasing your automobile insurance from the same company that issues your homeowner’s or life insurance can also help you save on your insurance costs. This savings strategy is often called insurance “bundling”, and it can save you 10% or more on your overall insurance costs.
Even if you’re unwilling to take defensive driving courses or invest in anti-theft devices, you can still save on automobile insurance. With the easy strategies discussed above, you can cut the cost of your insurance significantly and with little effort.
