Due to the high number of auto insurance claims and auto theft activity, drivers in the Empire State typically pay more for auto insurance than drivers in most other states. But there are ways to save money on New York auto insurance coverage that you may not know about. Because Esurance sells auto insurance directly to you online, we can offer more competitive rates. You can save time and money with Esurance!

As we all know, safe drivers generally save even more money on auto insurance. Driving safely should be every driver’s top priority. If you’d like to save lives and save a few extra dollars, learn more about safe driving and how to save on New York auto insurance rates with all of our driving safety and auto insurance savings pointers, all located in the Esurance Auto Insurance Learning Center.

Here are some highlights, basic pointers that will help you stay safe on the roads and help you save money on your New York auto insurance at the same time!

Buckle up
Seems obvious, but one of the most important safety devices in your car is the seat belt. On average, seat belts save more than 10,000 lives each year. (Because of this, you’re typically given a discount for certain kinds of automatic seat belts when you buy auto insurance.) Recent design improvements have made seat belts much more comfortable than they used to be, so there’s no excuse not to buckle up for safety!

Drive now, dial later
It’s against the law in New York to drive with your cell phone to your ear. Laws against driving and dialing were put into place so drivers are less distracted on New York roads. Besides, accidents caused by dialing drivers may be the most avoidable type of New York auto insurance claim!

The New York hand-held cell phone bill requires that drivers always use a hands-free device when they operate a vehicle. If drivers are pulled over for driving and dialing, they could be fined $100. However the cost for using a hand-held cell phone while driving in New York doesn’t end there—moving violations on your driving record could significantly increase your New York auto insurance premium.

None for the road
No matter which state you drive in, make sure you always avoid driving impaired. Not only will you stay safe and avoid endangering others, but you'll also be leading by example. When you know you'll be drinking, start the evening by taking cabs or public transportation. That way, you won't have to make a decision about driving when you're least able to do so. If you're going out with a group of people, select a designated driver in advance.

Take a look at our very own Esurance Insights for more detailed information on how you can improve your driving, and benefit from the great insurance rates safe drivers typically get. You can also find out which New York auto insurance coverages, limits, and deductibles are right for you by using the Esurance Coverage Counselor planning tool.

Find out more about how New York drivers can save with Esurance today!