{"id":38113,"date":"2023-07-19T08:53:48","date_gmt":"2023-07-19T12:53:48","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=38113"},"modified":"2025-07-17T14:55:12","modified_gmt":"2025-07-17T18:55:12","slug":"how-to-lower-car-insurance-in-ny","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/how-to-lower-car-insurance-in-ny","title":{"rendered":"How to lower car insurance in NY"},"content":{"rendered":"\n

At Plymouth Rock, we want to make sure you get rock solid coverage at a great rate. Saving money on car insurance shouldn\u2019t mean compromising your coverage. Here\u2019s how to lower car insurance in NY while keeping effective coverage.<\/p>\n\n\n\n

How to lower car insurance NY \u2013 10 tips<\/h2>\n\n\n\n

Multi-car savings<\/strong><\/h3>\n\n\n\n

If your household has multiple cars, it\u2019s a good idea to have them all insured with the same company. You get the convenience of managing insurance for all your cars in one place, and you\u2019ll often receive a discount as well. At Plymouth Rock, you\u2019ll get the best value when you have multiple cars listed on the same policy.<\/p>\n\n\n\n

Bundling<\/strong><\/h3>\n\n\n\n

Do you own a home or rent? Consider getting your homeowners or renters insurance from the same place you get your car insurance. Not only is it convenient to have all of your policies under one roof, but you\u2019ll save on each of them as well.<\/p>\n\n\n\n

At Plymouth Rock, the bundling discounts don\u2019t stop at just home or renters. You can also save when you bundle other policies like motorcycle insurance. The more you bundle, the more you save!<\/p>\n\n\n\n

Evaluate your deductible<\/strong><\/h3>\n\n\n\n

Take a look at your deductible and re-evaluate how much you\u2019re comfortable paying in the event of an accident. The deductible is the amount you need to pay before your insurance will start paying for expenses.<\/p>\n\n\n\n

Raising your deductible will lower your policy\u2019s premium. However, this means you\u2019ll need to pay more out of pocket if you need to file a claim. If you have questions about deductibles, give us a call! Our friendly insurance experts are happy to help.<\/p>\n\n\n\n

Understand your coverages<\/strong><\/h3>\n\n\n\n

Anyone can offer low insurance premiums. But, it often means that you are getting less coverage. Saving with lesser coverage may mean paying more in the long run if you ever need to file a claim.<\/p>\n\n\n\n

That\u2019s why it\u2019s important to understand what coverage limits are right<\/a> for you, and what those coverages mean. Ensure that your coverage limits are what you need to best protect you and your assets. When comparing companies, make sure that you\u2019re using the same coverage limits and deductibles. This way, you\u2019ll have a direct comparison between actual insurance products and a more accurate look at pricing.<\/p>\n\n\n\n

Type of car<\/strong><\/h3>\n\n\n\n

Before you buy your next car, think about how much it costs to insure. The kind of car you drive makes a big difference in your rates.<\/p>\n\n\n\n

Contrary to popular belief, the color of your car doesn\u2019t actually matter for insurance purposes. What does matter, however, is the cost to repair the vehicle. Repair cost is one of the most important factors to consider when insuring a car. Cars with large production runs are typically cheaper to repair because of better parts availability, for example. These kinds of cars are, in general, cheaper to insure than low volume luxury or sports cars that may need specialized parts.<\/p>\n\n\n\n

Vehicle Rating Factors<\/strong><\/td><\/tr>\n\n
Repair cost<\/td>Make and model<\/td><\/tr>\n\n
Horsepower<\/td>Age of car<\/td><\/tr>\n\n
Where the car is parked<\/td>Safety features<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n

Pay in full<\/strong><\/h3>\n\n\n\n

Rather than paying monthly, consider paying your policy in full if possible. This lets you avoid installment fees. Eligible policyholders can receive a discount if they choose to pay their Plymouth Rock policy in full each policy period.<\/p>\n\n\n\n

Enroll in eDocuments<\/strong><\/h3>\n\n\n\n

An easy way to save on insurance is to enroll in eDocuments. Plymouth Rock and other providers will offer a discount if you choose to receive your policy documents electronically.   You\u2019ll get all of your insurance documents sent directly to your inbox. Not only do eDocuments save you some money, they\u2019ll help save some trees as well!<\/p>\n\n\n\n

Better credit<\/strong><\/h3>\n\n\n\n

Having a stronger credit score may mean lower car insurance premiums. Your creditworthiness can be one of the factors an insurance company uses to evaluate your rates.<\/p>\n\n\n\n

Improving your credit score can be as simple as paying your bills on time. Double check your credit report to make sure it\u2019s as accurate as possible.<\/p>\n\n\n\n

Secure lower rates with a secure car<\/strong><\/h3>\n\n\n\n

The more secure and safe your car is, the more you can save on car insurance. Plymouth Rock offers discounts if your car has anti-theft measures<\/a> like an alarm or safety features like anti-lock brakes.<\/p>\n\n\n\n

Almost every new car comes with an alarm standard from the factory, but older vehicles can be retrofitted with them as well. Other anti-theft measures like window etching and steering wheel locks are simple but effective ways of deterring theft. Anti-theft measures not only protect your car from being stolen, they also help lower your car insurance premiums.<\/p>\n\n\n\n

Anti-theft Discounts<\/strong><\/td><\/tr>\n\n
Ignition cutoff<\/td>Transmission lock<\/td><\/tr>\n\n
Steering wheel lock<\/td>Window VIN etching<\/td><\/tr>\n\n
Vehicle recovery system<\/td>Alarm<\/td><\/tr>\n<\/table><\/div>\n\n\n\n

Ask us about your vehicle and see how much you can save!<\/p>\n\n\n\n

Safe driving<\/strong><\/h3>\n\n\n\n

One of the best ways to keep your insurance costs down is to drive safely. Accidents and moving violations are part of your driving record, indicating that you are riskier to insure. That means higher rates, no matter which insurance company you\u2019re with.<\/p>\n\n\n\n

Maintaining a clean driving record helps prevent your rates from going up, but also keeps any safe driver discounts like the ones Plymouth Rock offers.<\/p>\n\n\n\n

Complete a NY state-approved defensive driving course and you may be eligible for a discount. Some Point & Insurance Reduction Programs can even be completed online. Check with the New York State DMV to make sure the course you take is approved.<\/p>\n\n\n\n

Preventing accidents before they happen is the best way to keep you, your passengers and everyone else on the road safe. Still not sure what NY discounts you qualify for? Call today and see how much you can save! You may be able to take advantage of the above discounts and exclusive benefits<\/a>. Choose Plymouth Rock Assurance for all of your car insurance needs and get more than just insurance!<\/p>\n\n\n\t\t

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Now let\u2019s talk about you<\/strong>
\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at 800-516-9242<\/a> or speak to a local agent<\/a>. \n

\nIf you\u2019d rather not talk, you can get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"

Want to know how to lower car insurance in New York? Here are 10 tips that can save you money.<\/p>\n","protected":false},"author":6,"featured_media":55779,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[82],"class_list":["post-38113","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-ny"],"acf":[],"yoast_head":"\nHow to Lower Car Insurance in New York<\/title>\n<meta name=\"description\" content=\"Saving money on car insurance isn't compromising your coverage. 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