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Car Insurance New York Tips

As you know in these days of financial crisis, american Car Insurance Costs are going up and up, but it's something we all need and must have in the eyes of the law. That doesn't mean you have to blindly pay whatever your insurer quotes though, as there are several simple things you can do to reduce the cost of your premiums.

Firstly, you should shop around as much as possible - too many people don't even do this step which is unforgiveable with the internet at our disposal these days. The internet makes it easy to compare prices from different insurers, so why not take advantage of this? Plus, you'll usually get a discount of 10% or more just for buying your policy online.

Now, think about what kind of policy your car and situation merits. For example, if you go for third party, fire & theft, you can significantly reduce your monthly premiums compared to a comprehensive policy.

Thirdly, there's the no claims discounts: Nearly all policies feature a discount that increases for every year you don't make a claim. The more years you have not made a claim the better. Also look at insurers offering a 'no claims bonus for life' feature, where your current discount level can be fixed forever, even if you have to make a claim somewhere down the line.

Look at what excess you have on your current policy, this is the amount you pay before the insurer picks up the claim. Choosing to have a higher than standard excess level will usually mean lower premiums.

How secure is your vehicle is the next question to ask yourself. By fitting a proper alarm and immobiliser it can also reduce your premium. If you have a garage with your house, you can say you keep your car locked in your garage overnight instead of leaving it on the street, thus making it more secure and again giving you a further reduction.

Pay annually: Many insurers charge you interest for the privilege of paying in monthly installments. Pay annually if you can afford it to avoid this, or look for one of the companies who don't charge extra for monthly payment.

Next, you can save more if you just use your car for social, domestic and pleasure only compared to if you used it for commuting. Even if you are a commuter or use your car a lot, make sure you accurately calculate your mileage as you may be overestimating causing you to have higher than necessary premiums.

These are just some of the approaches to save on your vehicle insurance, so start searching and saving today.

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