Some providers offer better coverage at a lower price than others. To save money on your new insurance, follow these five helpful tips.

Consider Raising Your Deductible

When you purchase car insurance, you'll also be required to pay a deductible. Your deductible is the amount of money you're responsible for paying out-of-pocket if your car sustains any damages. If you're looking for ways to save money on your car insurance, one option is to raise your deductible. Buying a policy with a higher deductible will lower the monthly premium substantially. However, raising your deductible should only be considered if you can afford it, as it means that you'll have to pay more if something happens to your car.

Become an AARP Member

The AARP is a group that provides benefits to those over the age of 50. One of their benefits includes access to better insurance policies. So if you're in your 50s or older, becoming a member is an excellent way to save money and get discounted rates on car insurance. To learn more about the policies you could have access to as an AARP member, check out New York car insurance from The Hartford.

Take a Defensive Driving Course

One of the best ways to save money on your insurance is by taking a defensive driving course. They're typically online courses that take anywhere from three to six hours to complete, and you can start them at any time. A defensive driving course will help improve how you drive, but you will also save money on your car insurance.

Choose a Car That's Cheaper to Insure

There's a reason why some cars are more expensive to insure than others: they're considered to be higher risk. If you want to save on your insurance, you should purchase a car that's cheaper to insure. This is because the insurance company will have less risk in covering this type of car. If you want to shave off some money from your monthly payment, research the types of cars that are cheapest to insure and purchase one of those instead.

Install Anti-Lock Brakes

One of the best ways to save money on your new car insurance is to install anti-lock brakes. Anti-lock brakes are designed to be safer than standard brakes and reduce the risk of skidding or spinning out on wet surfaces. 


There are many ways to save money on your new York car insurance. Raising your deductible, becoming an AARP member, taking a defensive driving course, choosing a car that is cheaper to insure, and installing anti-lock brakes are all smart options to consider. Having good car insurance protects you in the event of an accident and is also good for your credit. Remember that good car insurance doesn't have to be expensive.