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How can you lower your car insurance in New York?
I live in New York City. I pay $450 a month for insurance. How can I lower the cost of my insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Since New York is a large city, the rate of claims submitted is substantial. To offset this, insurance companies need to charge more for insurance.
While insurance is likely to be more expensive, you won’t always pay a lot. Many insurance companies offer discounts to help lower premiums.
Check with your current insurance company to determine whether they offer any discounts you may qualify for. This could include:
- Driving training course
- Driving behavior or telematics program
- Driver safety
- Low mileage
If you don’t drive regularly, you may qualify for a low mileage discount. Or if you’re generally a safe driver, you may also want to consider a driving behavior program.
Beyond discounts available with your insurer, you can look at the coverage on your policy. If you have full coverage, consider carrying
liability coverage
only or raising your full coverage deductible.You can also shop around. Every insurer offers different rates. You may be able to find a company with a more affordable rate than what you’re currently paying. If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. This free app can collect quotes from up to 50 top insurance companies in seconds!View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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