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?

Answer
The cost of car insurance is typically higher in larger cities.
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!
Emily Maracle
Answered on Oct 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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