What Is The Cheapest Auto Insurance in New York?
Reader’s Question:
I live in Albany, New York. Everything about my car is so expensive. What can I do to get the cheapest car insurance in New York ? Your help is appreciated.
Lindsey
Albany NY
Hi Lindsey,
There are things you can do to get the cheapest car insurance policies. You have more control than you may think. Like any other form of insurance, you need to shop aggressively for the cheapest car insurance possibilities.
We recommend you package your vehicles into one policy. This should qualify you for package discounts with most carriers. You can also modify the amount of your deductible. The higher the deductible, the lower your policy cost. Although this is an effective way to get the cheapest car insurance, it does give your some exposure. Make sure you can afford the deductible.
You can reduce the carrier’s risk by installing 21st century anti-theft equipment. This will help qualify you form the cheapest car insurance available. Additionally, most insurance carriers in New York, will discount your policy if it is annualized. For the cheapest car insurance rates, request yearly policy rates.
Most important though, Lindsey, is to shop competitively for the cheapest car insurance in New York. Request and receive multiple proposals for the cheapest car insurance by entering your specifications on this site. Then, sit back and study the responses to your request for the cheapest car insurance rates. Making an informed decision is at the heart of obtaining appropriate coverage.
What is Non Owner SR22 Insurance?
Q: What is SR22 insurance for non owners?
A: Non owner car insurance is something you only see when it comes to SR22 insurance, for the most part, although it does exist for other reasons. Some people who are required to have SR22 policies do not actually own cars, but do occasionally drive cars which belong to other people. Since driving with a suspended license is dangerous and illegal (unless you’re Paris Hilton), most people don’t want to take the risk, and so get their license reinstated even if they won’t be driving often, and to do that they need an SR22insurance policy.
SR22 insurance for non owners only covers you when you’re driving a car that isn’t yours. If you end up buying your own car, then you will need to switch over to regular SR22 car insurance.
A few more limits come with SR22 insurance for non owners. One is that you are only able to purchase liability coverage. If you drive a car which already has comprehensive and collision coverage with its owners policy, this shouldn’t be a problem. Discount options for people with SR22 are also more limited.
New York City SR22 Auto Insurance
Q: I live in NYC, and due to things like traffic and good public transportation, I don’t end up using my car so often. I do still need it, though, for when I need to go out of town or to places the subway doesn’t reach. How can I get my New York City SR22 rates to reflect that?
A: The first thing I would do is to cut my coverage on the policy to as low as is legal. Since you hardly use your car, you don’t really need to be worried about the risk of having low coverage amounts.
After that, see if your car insurance company has a low mileage discount which can be applied to your SR22 premium. Low mileage discounts are amazing for people in your situation, and they can often take between five and twenty percent off of your premium, depending on who you’re insured with. Usually the requirement is that you drive less than five thousand miles a year, although some companies have it at forty miles a day. Call your car insurance company to see how they measure it.
Another thing that might score you a five percent discount is your use of public transportation. Not very many companies have a discount for this, but some do and it doesn’t hurt to ask.
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