Gas Prices Are Rising in New York — Here’s How to Save on Auto Insurance.

1) Bundle Auto + Home (Often the Biggest Savings)

If you own a home (or even rent), bundling policies can produce a meaningful discount with many insurers.

Why bundling helps:

• Multi-policy discounts can reduce both policies

• It simplifies billing and renewals

• It can improve eligibility for better carriers

  
  

Tip: Even if you already bundle, it’s worth checking if your bundle is still priced competitively at renewal.

2) Verify Your Mileage (You Might Be Overpaying)

One of the most common reasons people overpay is incorrect annual mileage.

If you:

• Work hybrid/remote now

• Retired recently

• Drive fewer miles than you used to, you may qualify for a lower rate based on your actual driving

Important: Always be accurate. Don’t guess low to “game” the price — you want your policy rated correctly.

3) Adjust Deductibles the Smart Way

If you can comfortably handle a bit more out-of-pocket in a claim, raising deductibles can lower your premium.

Common options to review:

• Collision deductible (example: $500 → $1,000)

• Comprehensive deductible (example: $250 → $500)

  
  

When this makes sense: If you have a solid emergency fund and want lower monthly cost.

When to be cautious: If you’d struggle to pay the deductible in an accident — keep it realistic.

4) Ask for a “Discount Audit” (Most People Miss Something)

Discounts vary by carrier, but these are commonly available:

• Multi-car discount

• Safe driver / claim-free discount

• Good student (if applicable)

• Paperless + autopay discounts

• Paid-in-full discount

• Safety/anti-theft features

• Defensive driving (if eligible)

• Usage-based / telematics programs (optional)

Tip: Don’t assume discounts are automatically applied — ask your agent to confirm each one.

5) Review Coverage — Save Money Without Cutting Corners

When budgets get tight, it’s tempting to reduce coverage. The smarter move is usually to:

• keep strong protection where it matters (especially liability),

• and look for savings in deductibles, discounts, and carrier comparisons.

A few coverage items to review carefully:

• Liability limits (protects you if you cause injury/damage)

• Uninsured/underinsured motorist (important in many NY situations)

• Rental reimbursement (helpful if your car is in the shop)

• Roadside assistance (sometimes cheaper through other services)

For older vehicles: If a car’s value is low, it may be worth discussing whether collision coverage is still cost-effective — but this is a personal decision, and we’ll walk through the pros/cons with you.

6) Compare Quotes the Right Way (Same Coverage, Multiple Carriers)

Rates can vary significantly between companies — even for identical drivers and vehicles. The key is comparing quotes with the same:

• liability limits

• deductibles

• drivers/vehicles

• garaging ZIP code

• coverage options

  
  

That’s how you get a true savings comparison.

Want Us to Find You Savings? Here’s What to Send

To get a quick review, send us:

• Your current Dec Page

• Driver/vehicle list

• Any recent changes (new car, new address, new commute, teen driver, etc.)

  
  

We’ll check:

1. missed discounts

2. best carrier options for your profile

3. deductible scenarios

4. bundling opportunities

   
   

The Bottom Line

When gas prices go up, the best move is to offset the monthly hit where you can — and auto insurance is one of the easiest bills to review for potential savings.

If you’re in Long Island or NYC, we can help you compare options and keep coverage strong without overpaying.

Call The Town Agency, Inc. at 516-294-1000 or request an auto insurance quote and we’ll review your current policy.

Quick FAQ

Will gas prices going up raise my car insurance? Not directly — but repair costs, parts, and labor can change over time, which can affect claim costs and premiums.

What’s the fastest way to lower my premium? Usually: bundling, verifying discounts, confirming mileage, and adjusting deductibles (without cutting necessary protection).

Should I shop insurance every year? It can be smart — especially after life changes like moving, new drivers, new vehicles, or changes to how much you drive.