Posts in Category: car insurance

Not so obvious ways to save money on New York car insurance

Those looking to save the most money on New York car insurance (some of the most expensive car insurance in the country) are going to want to pay close attention to the inside information included below.

Sure, there are a couple of obvious things that you can do to save money on New York car insurance, but there are some not so obvious tips and tricks that you’ll find in this quick guide that can really put your savings over the top.

It’s not at all uncommon for people to save between a few hundred dollars and a few thousand dollars (or more) on New York car insurance just by taking advantage of the details that we break down below.

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Extend the length of your insurance term to save money

One of the most “not so obvious” ways to save money on New York car insurance from, is to actually extend the terms that your insurance policy operates on.

Most people are operating on a month to month basis, paying premiums on a specific day each and every month, and that’s what they’re used to. However, by simplifying the billing process for an auto insurance company by breaking your terms into quarterly or even annual terms, you will be able to save a lot of money along the way.

Take advantage of the electronic or automatic New York car insurance payments to save money

Another great not so obvious way to save a considerable amount of money on your auto insurance is to set up electronic or automatic payments.

Every New York car insurance company out there is going to be at least a little bit nervous about customers that aren’t going to pay their bills on time – or at all – so if you establish an automatic or electronic payment system that they can count on they’ll usually be willing to provide you with some kind of discount as well.

Shave unnecessary coverage to save the most money on New York car insurance

Finally, the overwhelming majority of people in the state of New York (and all over the United States, for that matter) are spending a lot more money on New York car insurance than they should be, only because they are paying for unnecessary coverage that they don’t need in the first place. Review your insurance policy to make sure that you aren’t paying for insurance you don’t need, and cut as much fat from the policy as possible to save money instantly.

What You Need to Know About California Auto Insurance

No matter what state you live in you must carry liability insurance in order to drive on the highways of that state. Each state has different requirements as to what needs to be covered and the minimum amount of coverage that is mandatory when you go to get your insurance. Here are some things that you need to know about California auto insurance.

Every vehicle in the state of California must have insurance coverage from whether it is a car, van, truck, motorcycle, or any of the different types of private passenger vehicles that are available. If you are not able to produce any form of insurance coverage if you are stopped by a law enforcement officer you will be fined, your car may be impounded, and your license could be suspended.

In the state of California you must carry:

  • $15,000 to cover injuries or the death of one person who is involved in the accident.
  • $30,000 if another person is injured or dies as a result of the accident the coverage is $15,000. The $30,000 is split between the two people who have been injured in the accident.
  • $5,000 coverage is for any damage to the other people’s property
  • The above coverage is for damage to the other person’s car as well as to any structures or objects you may have hit with your car.

If you do not purchase car insurance in this state, then the Department of Motor Vehicles will be notified. When you do purchase your auto insurance, your insurance company will provide you with an insurance card which is the proof of insurance you must keep on you at all times.

When you are looking for car insurance you need to make sure that you ask about discounts. Many insurance companies can offer you discounts if you have more than one car you are going to insure, if you are an older driver, and if you are a good driver and have not had any accidents during a specific amount of time. You can also save money if you pay your insurance premium all at one time instead of paying on it every month.
If you bring your life insurance or home insurance to the same company you could lose money by bundling your insurance needs. If you have a vehicle that has all the extras on it such as an alarm system and passenger air bags you may save as well.