"I'm 20 (female) with an 1991 Honda and a couple minor infractions, and I'm really looking to get a cheaper insurance plan. What would you recommend? Thanks!!" As a young driver, making your insurance cheaper is a challenge. This is a longish post, but utilizing the short and long term strategies below is a sure fire way to save on Continue Reading

As a young driver, making your insurance cheaper is a challenge. This is a longish post, but utilizing the short and long term strategies below is a sure fire way to save on car insurance now and in the future :

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SHORT TERM STRATEGIES
These are strategies that any young person purchasing car insurance can implement right now. No long-term investment necessary.

LONG TERM STRATEGIES
Take a long-term, strategic perspective with your car insurance rates and it will pay off with time. Here are a few good Long Term Strategies:

Liability, Uninsured Motorist and Personal Injury Protection - Keep in mind, insurance is a tool to transfer the risk of loss to an insurance company. Higher limits of liability are always in your best interest. You don't have to be a millionaire to be sued like one. Ask your agent what appropriate limits of insurance would be for your situation and seek savings in the ways outlined above rather than skimping on these important coverages.

Those are some good ways for anyone to save on your car insurance, but they are all the more important for young drivers. Following completion of multiple strategies above, communicate with your agent and request they requote your program every couple of years. You'll like the result!

Article originally published on Quora.com  https://www.quora.com/Whats-the-cheapest-car-insurance-in-NY