Is Your White Plains Auto Insurance Breaking the Bank?

Price shopping your White Plains auto insurance can seem to be a challenge for people who are new to comparison shopping online. People have so many companies to choose from that it can quickly become a real hassle to locate the lowest price in White Plains.

Don’t overlook these discounts

Companies don’t always list all their discounts very clearly, so we took the time to find both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit possible, you are throwing money away.

  • Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Homeowners Discount – Owning a house in White Plains can save you money because owning a home is proof that your finances are in order.
  • Club Memberships – Being a member of a professional or civic organization could qualify you for a break on your policy.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more than less cautious drivers.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Drive Less and Save – Low mileage vehicles can qualify you for a substantially lower rate.

It’s important to note that most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way.

For a list of insurance companies with discount auto insurance rates in New York, follow this link.

Won’t my local insurance agent miss me?

Some people would rather get advice from a local agent and that is a personal choice. Insurance agents can help determine the best coverages and help file insurance claims. The biggest benefit of comparing rates online is you may find lower rates but still work with a licensed agent.

After completing this form (opens in new window), your coverage information is immediately sent to participating agents in White Plains who will give you bids for your insurance coverage. You don’t have to visit any agencies because quoted prices will be sent to the email address you provide. How cool is that?!

Deciding on a company shouldn’t rely on just a low price. Any agent should be forthright in answering these questions:White Plains New York car insurance

  • Which members of your family are coverage by the policy?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do they receive special compensation for putting your coverage with one company over another?
  • What are the financial ratings for the companies they represent?
  • Will their companies depreciate repairs to your car based on the mileage?

Listed below is a short list of insurers in White Plains that may be willing to give rate quotes.

  • Rosol Agency – 88 E Post Rd # 2, White Plains, NY 10601 – (914) 428-7491
  • Allstate Insurance Co – 50 Main St # 1195, White Plains, NY 10606 – (914) 948-4580
  • Hanys Insurance Co – 50 Main St, White Plains, NY 10606 – (914) 946-1732
  • State Farm Insurance – 385 Tarrytown Rd, White Plains, NY 10607 – (914) 686-1500
  • Tremont Insurance Brokers – 50 Main St, White Plains, NY 10606 – (845) 634-8600

For a full directory of licensed insurance agents in White Plains, simply jump to this page.

Upon getting satisfactory answers and an affordable coverage quote, you’ve probably found an provider that will adequately provide auto insurance.

Is there truth in advertising?

Consumers constantly see and hear ads for car insurance savings from the likes of State Farm and Allstate. They all seem to have a common claim that you can save after switching your coverage to them.

How can each company make the same claim?

All companies have a preferred profile for the type of driver that is profitable for them. For instance, a driver they prefer might be over the age of 50, owns a home, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who don’t measure up to the “perfect” profile will have to pay higher prices and this can result in the customer not buying. The ad wording is “customers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can advertise the way they do. Because of the profiling, it is so important to quote coverage with many companies. It’s impossible to know the company that will have the lowest rates.

White Plains New York car insurance

Read more about New York auto insurance

Additional detailed information is available at the New York Department of Financial Services website. Consumers can read state legal mandates and laws, get help finding coverage, and read enforcement actions against agents and companies.

And the best car insurance company is…

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced physical damage coverage to discover at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Affordable auto insurance is attainable on the web as well as from independent agents in White Plains, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer online price quotes and these smaller companies work with independent agents.

In this article, we presented some good ideas how to save on auto insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced auto insurance comes from the smaller companies.