Living in the Big Apple is simultaneously thrilling and stressful. The amount of entertainment, occupational opportunities, and tourists that arrive means it is truly the city that never sleeps. Although Manhattan is the most significant area of the city for commerce, Long Island houses quite a bit of New York`s value, too. The huge population of Long Island makes it hard to navigate the area`s roads. Drivers are more likely to make mistakes on Long Island than in a small city outside of the metropolitan area. In turn, auto insurance companies automatically increase the rates of drivers in the Long Island area compared to suburbs.
Car insurance quotes in Long Island don`t always have to break the bank, though. We`ll talk about some of the best ways to get discounts on your auto insurance and live it up on Long Island without so much financial stress.
Drive Less
New Yorkers are famous for their alternative methods of transportation. Many of the folks who live in the iconic city opt to avoid driving and instead ride a bike, walk, or take the subway to their job.
Driving less means you are also not as likely to get into an accident. Hurting your back or breaking a limb is less likely when you use other transportation (although there is always a risk of injury when traveling by any method). This will keep your insurance rates from going up because not as many claims will have to be filed.
If you are one of the people who choose to drive less, talk to your insurance company about the discounts you can receive.
Driving fewer miles monthly will factor into your rates. Show proof that you only drive minimally by demonstrating the number of miles you have driven since you last talked to your insurance provider.
There are a lot of added benefits to driving less besides just the insurance costs. Gas prices are astronomical right now. Avoiding the pump is something everyone is attempting to do, and using other transportation is a great way to do so. If you walk or bike, you`ll also be getting some exercise on your way to work each day.
If you are too far away from your job to use these methods, see if you can catch a cab or rideshare. Uber and Lyft are very prominent in big cities, although make sure the price of the ride doesn`t outweigh the cost of just driving yourself.
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Make Smart Decisions
Driving in areas of New York is a lot more stressful than in many other cities because of all of the fun and excitement. Parties, dining, and concerts at Madison Square Garden are plentiful.
You need to make sure that you never get behind the wheel of a car while drunk. Ask for a taxi if you have attended a party or another event in which you have had too much to drink.
This is all part of keeping a clean driving record. Showing your insurance company that you are a great driver will help to combat some of the high prices of insurance on Long Island. We`re not here to take away the fun of New York, just to ask that you drive with respect for others.
Be responsible and make good decisions, and there shouldn`t be a problem affording car insurance.