Affordable Auto Insurance in NY
I’m reaching out for some advice. I have two at-fault accidents on my record—one in 2023 and another in 2024—and I also have 10 points from violations in 2022, which is over three years ago. Right now, I’m with Geico, but I’m looking for cheaper insurance options. I’ve called several major companies, and their quotes are really high, ranging from $8,000 to $12,000 a year. Currently, I’m paying about $5,000 annually with the lowest coverage available and have completed a defensive driving course. Any recommendations would be greatly appreciated!
Finding affordable auto insurance in New York, especially with your history, can be challenging. Here are some strategies and options to consider:
Look for Local Insurers: Sometimes smaller, regional insurance companies can offer better rates than the big names. Check out companies like Amica, Erie Insurance, or NYCM.
Use an Insurance Broker: An insurance broker can shop around for you and find multiple quotes from different insurers, which may help you discover more competitive rates.
Consider Usage-Based Insurance: Some companies offer usage-based or pay-per-mile insurance, which may be more affordable if you don’t drive often.
Discounts: Make sure you’ve applied for all possible discounts. Some insurers offer discounts for things like bundling insurance (home and auto), being a member of certain organizations, or taking a defensive driving course.
Verify Coverage Needs: Since you’re looking for the lowest coverage possible, ensure that you only have the coverage you absolutely need to meet state minimums, and reconsider any optional coverages you may have.
Review Payment Options: Some companies may offer discounts for paying your premium in full upfront, rather than in monthly installments.
Impact of Points: Even with points from several years ago, insurers may have different policies on how they assess risk. Some might consider your driving record more favorably after a certain period.
Request Re-runs of your Record: Sometimes, companies reassess rates periodically. You might want to reach out to your current insurer or others after a few months to check if your rate can be reduced based on the elapsed time since the incidents.
Finally, stay persistent in your search for quotes and don’t hesitate to negotiate with your current insurer if you find better options elsewhere.