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New York Car Insurance Discounts

If you live in New York and you're looking for a break on your car insurance, you're in luck. There are many discounts offered by the state's different car insurance companies. As you read through the list of discounts below, note any that you think you qualify for. Then, contact your insurance company or agent to see if the company offers the discount and if you do, in fact, qualify for it. You can save 5%, 10%, or more by pursuing all the discounts that apply to you.

Required Car Insurance Discounts in New York

In order to promote safe driving, the state of NY has mandated that all car insurance companies are required to offer certain discounts.

The first required discount involves safety features. While car insurance companies can offer a discount for all sorts of safety features your vehicle may have installed, New York requires a discount if you have anti-lock brakes. Because the state sees a lot of bad weather, especially in the winter, this life-saving feature has proven its usefulness time and time again.

Check to see what other safety features on your vehicle may qualify you for a discount. Things such as dual airbags and certain kinds of seat belts are all eligible for discounts on your automobile insurance, depending on your company. If your vehicle does not have these features already, see what it would take to get them installed.

The second discount that New York requires insurers in the state to offer involves adult driving education. All senior citizens who complete a driving safety course, whether online or in a classroom, should receive a discount on their vehicle insurance. These courses help older adults remember the rules of the road and adjust their driving to compensate for any difficulties they might encounter as they age. Since older adults tend to pay more for car insurance anyway, this discount can offset that price increase.

Student Driver Discounts in New York

Many automobile insurance companies also offer discounts to students who drive in the state, if they meet certain criteria.

Any student who takes a drivers education course is often offered a discount. Depending on the insurance company, this can be an online course, a classroom course, or can involve actually driving around town with an instructor. These courses can be expensive, so make sure that any discount you receive will equal or exceed the cost of the course.

In addition, any student with good grades (the required Grade Point Average is set by the individual car insurance company) is often eligible for discounted car insurance rates in NY. Studies show that young drivers who are responsible with their course work also tend to be more responsible on the road, so they will pay less in car insurance. This discount is particularly good news for a young male with good grades, as men between 18 and 25 years of age have the highest car insurance rates around. Any discount is useful. However, females will benefit, too, just not as much.

Finally, any student who is more than 100 miles away from home at college may be eligible for an car insurance discount. This discount varies highly among the different car insurance companies, so if you would be eligible, be sure to pursue it.

Other Car Insurance Discounts in New York

There are numerous other automobile insurance discounts available to citizens of New York. Several of these pertain to the car, several others to how it is used, and the rest to various other aspects of your driving and life.

When it comes to your car, a high safety rating is sometimes key to an car insurance discount in NY. Depending on your insurer, a new car with a safety rating at or above a certain point can get you cheaper rates. You'll want to check with your insurance company before you purchase a new car, to see if it qualifies for this discount.

Any anti-theft features your car has can also win you a vehicle insurance discount. These can include car alarms, LoJack devices, or any other feature of the car that makes it less likely to get stolen. Because insurance companies are less likely to have to pay to replace vehicles with these features, they will often lower your rates if you own one. Some insurance companies require that these features come with the car, but others will still give you the discount if you install the feature later. Check with your company, because a relatively small expense could save you a lot of money on insurance.

If you only use your car exclusively for farm or ranch work, you may also be eligible for an car insurance discount in New York. Because these vehicles see less traffic, they are less likely to be in an accident and so are sometimes eligible for lower insurance rates. In fact, if you use your vehicle exclusively for any purpose other than general driving, check with your insurance company to see if you can get a discount for it. These discounts vary widely between companies, so they are the best ones to give you more details.

In addition, if you don't drive very much, you may be eligible for a low mileage discount in NY. Vehicles that see less use are less likely to be stolen or be involved in accidents, so many car insurance companies will offer discounts if you use the vehicle less. To find out what this threshold is for your particular insurance company, ask your agent or broker for more details.

Some car insurance companies also offer discounts if you belong to a certain association or group. They will make a deal through the group to give members a cut in rates. The best way to find these deals is to check with any personal or professional groups you belong to and see if they have anything to offer you this way.

If you purchase a combination of insurance policies through the same company, you will often get one or more of them at a discount. Generally, car insurance is combined with homeowners insurance or renter's insurance, but combinations with health insurance are also becoming increasingly common. If you need each of these policies, this sort of discount is worth checking out. The same is true if you need to insure more than one vehicle in your household. Many vehicle insurance policies will give you a discount for each automobile you add to the policy.

Finally, the best way to get an car insurance discount is to have a clean driving record. This means that you have not gotten into any accidents or had any moving violations over a certain period of time. This communicates to the company that you are a safe driver and aren't likely to cost them a lot of money. These discounts are often the greatest in terms of overall insurance value.

Whatever discounts you find, be sure to pursue them with your New York car insurance company. Sometimes, discounts get lost or forgotten unless you follow up about them. So check your policy now to make sure you're getting the best deal you can on your car insurance.


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