Reader’s Question:

I need help! I think my insurance costs here in New York are absurd! How do I start looking for a more affordable auto insurance policy?

Candace

Buffalo, NY

You’re not alone, a lot of people today are feeling the pinch of the bad economy and on top of that, car insurance costs! But there are still ways to get affordable auto insurance (or make your current one there in New York more affordable), you just need the right kind of tips and information, here’s how:

1. Consider raising your insurance policy’s deductible. This saves money by lowering the premiums you pay regularly.
2. Now is not the best time to get traffic tickets and violations, so unless you want bloated rates be extra cautious while on the road.
3. Look for discounts that you qualify for, don’t expect all insurance companies to be proactive in helping you get cheap auto insurance. Discounts include: good driver discount (clean driving record for the past three to five years), good student discounts, membership discounts, professional discounts, completing defensive driving or accident prevention courses as well as installing anti-theft locks and additional air bags.

Sometimes your provider can only lower your premiums so much and the best way to get affordable automobile insurance is to switch carriers, so if you must, here are some additional tips:

1. Use auto insurance portals like this web page. You can get auto insurance quotes and compare offers from man different providers easily.
2. Don’t hesitate to negotiate your rates (especially if you have a great driving record), give them a hint of what their competition is offering you, you’d be surprised at how far you can go.