How to Save on Car Insurance Buying a Used Car in Queens
Inflation has most of us looking for ways to save money and spend less without sacrificing the things we need. Car insurance is a must-have, of course. Car insurance for your next vehicle might not be the first thing you think of before shopping for a used vehicle—-but you might want to factor it in.
This Major World article explains how you can save some money on your auto insurance in Queens by making the variables work for you.
How Do Car Insurance Companies Decide Rates?
Car insurance companies consider several factors when determining rates, as they aim to assess the risk of insuring a driver and the likelihood of future claims.
Here are some of the key factors:
Personal Demographics
- Your age: Older drivers pay less.
- Gender: Women pay less.
- Marital status: Married people pay less.
- Credit score: A higher credit score can mean lower premiums.*
- Your career: Yep, what you do for a living can affect your premiums.*
- Education: People with college and/or advanced degrees can pay less.
- Location: Your ZIP code always plays a part in determining your premium.
How You Drive
- Traffic violations: Speeding tickets, DUI, and moving violations can cost you.*
- Mileage: How much you drive every month. The less you drive, the less you pay.*
- Commute distance: If your commute to work is short, tell your insurance company.
- Accidents: Accidents can raise premiums—even if they aren’t your fault or you don’t report them to the insurance company.*
Your Vehicle
- Make and model: What you drive can have a BIG impact on premiums.*
- Safety features: Most car insurance companies offer discounts for safety tech. *
- Vehicle age: Sometimes, an older or used vehicle will be cheaper to insure than a new one.*
How Can I Save Money on Car Insurance When I Buy a Used Vehicle in Queens?
OK, you’re not going to change ZIP codes or go to grad school to save on car insurance, obviously, but all of the factors marked with a “*” above are things you have some control over.
If you have points on your license for moving violations, do something about it! The New York State DMV has the Point and Insurance Reduction Program (PIRP) that will help you get points off your license and lower premiums.
Before you buy your next SUV or car, look into how PIRP can lower your car insurance premiums in Queens.
Least Expensive Used Vehicles to Insure in Queens, NY
Major World customers have cut hundreds, even thousands off of their yearly car insurance premiums by buying the right make and model and getting out of their high-premium penalty box. You can save on car insurance premiums too—if you’re willing to be a little flexible.
Here are the cheapest used vehicles to insure in Queens and New York as a whole, by category.
Cheapest Small SUVs to Insure in NY
Subaru Forester
Why it’s cheaper to insure: Top-tier safety ratings and low accident rates reduce premiums.
Honda CR-V
Why it’s cheaper to insure: Excellent reliability and advanced safety features lower insurance costs.
Mazda CX-5
Why it’s cheaper to insure: High safety scores and low theft rates make it less costly to insure.
Toyota RAV4
Why it’s cheaper to insure: Strong safety equipment and affordable repair costs decrease premiums.
Hyundai Tucson
Why it’s cheaper to insure: Good crash test results and less expensive parts reduce insurance expenses.
Cheapest Large and Medium-Sized SUVs to Insure in NY
Kia Telluride
Why it’s cheaper to insure: Exceptional safety features and low theft rates lower costs.
Honda Pilot
Why it’s cheaper to insure: Reliable with advanced safety tech; fewer claims reduce premiums.
Toyota Highlander
Why it’s cheaper to insure: High safety ratings and low maintenance costs decrease insurance expenses.
Subaru Ascent
Why it’s cheaper to insure: Standard all-wheel drive and safety systems lower accident risks.
Ford Explorer
Why it’s cheaper to insure: Improved safety features and moderate repair costs help reduce premiums.
Cheapest Sedans to Insure in NY
Honda Civic
Why it’s cheaper to insure: Lower theft rates and excellent safety features cut insurance costs.
Toyota Corolla
Why it’s cheaper to insure: Best-in-class standard safety features reduce premiums.
Subaru Impreza
Why it’s cheaper to insure: Standard safety tech and low accident rates lower insurance expenses.
Hyundai Elantra
Why it’s cheaper to insure: Advanced safety features and affordable repairs decrease premiums.
Nissan Sentra
Why it’s cheaper to insure: Good safety ratings and low cost of ownership reduce insurance costs.
Major World: Where Queens Buys Cars and Trucks
Queens residents know when it’s time to buy a used car or truck —- Major World is the place to go for the best value and quality around.
Shop online for your ideal used vehicle on our online search portal before you get here!
Major World’s no-nonsense financing process is the best in the business. You can even pre-qualify yourself right now to save time, and it won’t ding your credit.
Don’t settle for less than the best used car dealer in Queens. You deserve the Major World standard of customer care. Give us a call now at (866) 614-2884.
