When shopping for auto insurance, you obviously want your car to be adequately covered in case of an accident while at the same time you also do not want to pay more than necessary. Unfortunately, most motorists are doing exactly that. This is simply because they are not willing to spend few minutes window shopping for the best deals. It may not be enjoyable but few hours spent comparing various policies can save you a lot. When shopping for the best commercial auto insurance NYC motorists will find the following tips very useful.

The number one rule is to comparison shop. But before you start comparing quotes and crossing out big numbers, you must be sure that you are comparing close substitutes or like with like. As for the case of auto insurance, you are comparing price as well as the coverage. So concentrating on either in isolation is never a good idea.

You must also report reduced mileage immediately. If you have changed jobs or you are now working from home or have lost your job, it is important that you inform your insurer about this change. By driving your car less, you have higher chances of qualifying for lower premiums.

Reputation of the company is also very important. You do not want to transact business with a company that will give you hard time during claims. If possible, you should ask your prospective insurer for references. By talking to some of its most recent clients, you will know whether it is reputable with its dealings or not.

Other than the company rating, the quality of its customer care service should also concern you. You want to deal with a company where your phone calls and emails will be answered in good time. This is the only way you can be sure that your claim will also be processed in good time. Should you have any reason to doubt the quality of customer care service of a company, it is safe to follow your instinct and look for another provider.

You should also take advantage of any discounts that you qualify for. Most insurers offer discounts to motorists considered to carry low risk like the older, the married and those with long safe driving records. Anti theft and safety equipment on your car can also attract lower premiums. So if you belong to any of these categories, you should seize the opportunity and claim any discounts that you qualify for.

It is also important to set right deductibles. A higher deductible will certainly reduce the premiums you pay but you have to pay more from your pocket in case of an accident. So if you have a safe driving record, it may be worth taking a gamble with higher deductibles.

When taking auto cover, it is very important to ensure that your car is adequately covered. You must not sacrifice on adequate coverage in the name of cost cutting. Ensure that you are adequately covered in case of anything.

You can visit www.majorlinesinsurance.com for more helpful information about Prior To Purchasing Commercial Auto Insurance NYC People Will Need These Guidelines.