Finding Cheap Car Insurance Rates in Hempstead, NY
Driving in Hempstead involves bustling city streets and heavy traffic, it is a good idea for drivers to prioritize their safety on the road. Finding a car insurance policy that offers adequate coverage with an affordable policy rate. Conducting thorough research becomes imperative for NY drivers. InsuranceQuotes provides a convenient solution by offering multiple free car insurance quotes all in one place through our easy-to-use quote form and real-time cost comparison tools from our large cost database of the cheapest national and local insurance companies. Drivers can make smart decisions about their car insurance needs while saving money without compromising on quality coverage
What is the Average Cost for Car Insurance in Hempstead, NY?
- State minimum liability on average in Hempstead costs $377 a month or $4,525 a year. Full coverage auto policies costs around $694 a month or $8,323 a year in Hempstead.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Hempstead – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Hempstead, NY
- In Hempstead the cheapest car insurance companies on average are GEICO, Allstate and State Farm. State minimum liability car insurance starts at $90 a month or $1,085 a year with GEICO. The cheapest full coverage car insurance starts at $290 a month or $3,485 a year with State Farm.
Here are the average policy rates from the cheapest local and national insurance providers in Hempstead from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $1,085 | $90 | $3,601 | $300 |
| Allstate | $1,291 | $108 | $3,555 | $296 |
| State Farm | $1,516 | $126 | $3,485 | $290 |
| Standard Fire Ins. Co | $2,192 | $183 | $4,251 | $354 |
| Progressive | $2,499 | $208 | $5,583 | $465 |
New York State Minimum Liability Coverage Requirements
State minimum liability coverage for New York drivers are:
- $25,000 bodily injury liability coverage per person injured in an accident
- $50,000 bodily injury liability coverage per accident for all persons injured
- $25,000 property damage liability coverage per accident
How to Choose the Best Car Insurance Coverage Amount
In New York there are multiple options for the amount of auto insurance coverage you choose from. Here are a list of the different policy types you can choose from past liability:
- Liability Coverage: This is the basic coverage required by law in New York and covers damages and injuries you cause to others in an accident where you are at fault. It includes bodily injury liability coverage and property damage liability coverage.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses. It can also cover hit-and-run accidents.
- Personal Injury Protection (PIP): Also known as “no-fault” coverage, PIP pays for medical expenses, lost wages, and funeral expenses for you and your passengers, regardless of who is at fault in an accident.
- Collision Coverage: This covers damage to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This covers damage to your vehicle from non-collision incidents such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if you’re injured in an accident, regardless of who is at fault.
- Rental Reimbursement Coverage: This optional coverage helps pay for the cost of a rental car if your vehicle is being repaired due to a covered accident.
- Towing and Labor Coverage: This optional coverage helps pay for towing and labor costs if your vehicle breaks down and needs to be towed to a repair shop.
When selecting car insurance coverage options in New York, it’s important to consider your individual needs, budget, and risk tolerance – our certified InsuranceQuotes agents can help you decide which policy option is best for you over the phone if needed.
Tips for Saving Money on Your Auto Policy
- Shop Multiple Car Insurance Quotes: Using InsuranceQuotes to compare quotes from multiple insurance companies to find the best rates. Each insurer may offer different discounts and pricing structures, so shopping around can help you find the most competitive option.
- Bundle Policies: Many insurance companies offer discounts if you bundle multiple policies, such as auto and homeowner’s insurance, with the same provider.
- Maintain a Good Driving Record: Insurance companies often offer lower rates to drivers with clean driving records. Avoid accidents and traffic violations to qualify for lower premiums.
- Consider Higher Deductibles: Choosing a higher deductible can lower your insurance premiums. Just make sure you can afford to pay the deductible out of pocket if you need to file a claim.
- Drive Less: Some insurance companies offer discounts for low-mileage drivers. If you drive fewer miles than average, inquire about mileage-based discounts.
- Take Advantage of Discounts: Many insurers offer discounts for various factors, such as being a good student, having safety features installed in your car, or completing a defensive driving course. Ask your insurance company about available discounts and eligibility criteria.
- Maintain Good Credit: New York insurance companies often use credit-based insurance scores to determine premiums. Maintaining a good credit score can help you qualify for lower rates.
- Drive a Safe Vehicle: Some cars are cheaper to insure than others due to factors like safety ratings, repair costs, and theft rates. Before purchasing a vehicle, research insurance costs for different makes and models.
- Review Your Coverage Option Every Few Months: Periodically review your insurance coverage to ensure you’re not paying for more coverage than you need. Adjust your coverage limits and deductibles as your circumstances change.
- Ask About Affiliation Discounts: Some insurers offer discounts for members of certain organizations, alumni associations, or professional groups. Inquire whether you qualify for any affiliation discounts.
