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I've been living in the Brooklyn for over 10 years and have always had a car. Most of the time, I've had my car insured in a different state where I also reside part of the year. I could probably keep my car insured out of state but would prefer having NY plates.
Looking for affordable car insurance is daunting. There are so many options that seem to effect the insurance premium when getting a quote. I don't need to over insure my car. If it's stolen or get's totaled, it's done. I'll take the loss.
Can anyone offer me advice on trying to find the cheapest and best insurance? Are there things I need to be careful of? Any advice would be greatly appreciated.
You'll automatically save 10% from any insurance company if you successfully complete the defensive driving class. The certificate is good for two years.
Just start calling around and get quotes. They will ask you a series of questions in order to give you the quote. Some available discounts are
1- going with the same company you have renters or home owners insurance with
2- paying 6 months up front instead of paying monthly
3- having the same insurance co. for a certain # of years in the past (even out of state)
4 -age of car, your age
5 - higher deductible
6 - no collision insurance, only liability
7 - clean driving record
But just call around and give them truthful answers and you will get your quote. Tell them you want the lowest possible premium and ask them to give you all possible discounts.
It's also a factor where the vehicle is parked, since having a garaged vehicle that's equipped with a theft recovery device (Lo-Jack) will keep the rates down. However, if you're dropping collision and just keeping a basic policy, it's the driving record that is the most important consideration with many insurers.
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All the world's a stage, and all the men and women merely players: they have their exits and their entrances; and one man in his time plays many parts, his acts being seven ages.
~William Shakespeare (As You Like It Act II, Scene VII)
Best ways to save on your costs in New York
1) buy a new car or a safer car
2) maintain a good driving record
3) move to a safer area
4) move closer to your work place
5) combine your insurance policies
6) add safety features to your car
7) compare quotes from multiple providers
source - Lower Auto Insurance Costs In New York - Get Cheap Car Insurance in NY
I don't know if it's maybe b/c we live in a more residential area than Brooklyn, but we only pay $118/mo with Geico. That's amazing. It's less than what I paid in Miami. We live very Southeast Queens near JFK.
Reach out to a family member or friend who lives in another state and have the car registered and insured to that address.
And, that's insurance fraud, which is one reason why insurance rates are so high for those who play by the rules. Fewer cars registered leads to higher rates of loss by zip code, among the pool of registered cars. A car can legitimately be registered at a second home, provided that's where the car is garaged, not as a means to dodge insurance premiums, and the car is actually garaged at that location.
__________________
All the world's a stage, and all the men and women merely players: they have their exits and their entrances; and one man in his time plays many parts, his acts being seven ages.
~William Shakespeare (As You Like It Act II, Scene VII)
And, that's insurance fraud, which is one reason why insurance rates are so high for those who play by the rules. Fewer cars registered leads to higher rates of loss by zip code, among the pool of registered cars. A car can legitimately be registered at a second home, provided that's where the car is garaged, not as a means to dodge insurance premiums, and the car is actually garaged at that location.
The address where it is registered not necessarily garaged, is what matters, at least according to a State Farm rep I spoke with.
My mother owned the first car that I had, and its the car I took with with me when I moved to New York from Georgia. We both called State Farm and explained to them that while the car is registered in Georgia, it spends 100% of the time out of the state.
Both reps said that didn't matter, the only thing that mattered was the address where it is legally registered, which is the address of the legal owner.
I even made a couple of claims on the policy and they were processed just fine. No one ever cared that the mailing address on file was New York City, while the address on the registration was Georgia.
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