Another way to maximize your discounts, and get a reduced price, is to package your car insurance with a home or umbrella insurance policy. You can receive up to a 10% discount for having multiple policies with one insurance company.
Below are some common vehicle and driver discounts.
- Air bags-up to 30%
- Multi-Vehicle Discount-up to 20%
- Anti-lock brakes-7%
- Daytime running lamps-3%
- VIN etching- 2%
- Alarm Systems-5%-10% of comprehensive coverage Higher Deductible-varies
- Excellent Credit
- Ticket Free- Clean MVR
- Claim Free
- Defensive Driving
- Driving to work less than 3 miles
- Being Married
- Having a NY Driver’s license for more than 5 years
A registered car in New York is required to maintain liability insurance, however, New York State can’t make you overpay for your auto insurance.
Finding the best rate on auto insurance can be challenging especially due to the many variables that go into rating an auto insurance policy. Let Coastal Insurance shop the market for you to find an affordable and accurate car insurance policy.
Rate Factors for Auto Insurance
- Marital status
- Number of vehicles
- Driving history
- Length of continuous coverage
- Distance of commute
- Coverage limits
- Vehicle driven
- Prior limits of insurance
Obviously, being accident-free and having a clean driving record can help you get the lowest price but, if your record isn’t perfect, having excellent credit can reduce your premium too. Also, keep in mind that taking the New York State defensive driving class can save you up to 10% on your automobile policy. Own a home? If you answered yes, you could be eligible for a homeownership credit of 5%.
You can learn more about our auto insurance options by speaking with one of our representatives at 631-782-3175 or 516-564-2111, or by filling out our easy Auto Insurance Form. Our company has provided Car Insurance solutions to New York and Long Island (Suffolk & Nassau) residents since 2001.