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New Rochelle, New York Auto Insurance

Compared to other New York State cities, New Rochelle has very few auto thefts per year. However, one car theft is one too many for residents in this area, so vehicle insurers place a premium on safety and where you keep your auto parked at night. In other words, you are more likely to get a break on your premium if you can park your car in a garage, driveway or behind a fence at night. Parking it on the streets is not a good thing according to auto insurance companies.

Some drivers would be surprised to know that the top three cars stolen in New Rochelle are smaller, older autos like Hondas and Toyotas. In fact, the Honda Civic and the Honda Accord, 1994 version are the most prized by car thieves for their parts potential. Bigger vehicles on the top ten list include, the Jeep Grand Cherokee and the Ford Explorer.

Travel time in your commute is another way to get discounts, that is if you don't spend a lot of time on the roadways. Average travel time to and from work in New Rochelle is a little under a half hour, making it one of the longer daily commutes in New York State. Insurers prefer that drivers spend as little time as possible on the roads with other cars, because most accidents happen on city streets and at speeds under 30 miles per hour. Try taking a defensive driving course in order to lower your premium. Make sure your teenagers take driver education classes in school, prior to climbing behind the wheel of the family car.

One of the best ways to find the correct coverage for you and your family is to search online through a reputable website. A good website will be able to pull together a number of quotes from several insurance companies to allow you to make an informed and affordable decision. Don't be afraid to let the insurers know that you're talking to several companies because the industry runs on competition and most are more than willing to match or better the quotes from their competitors. That puts you in a win-win situation.