Auto Insurance Discounts Up To $504 in Baldwin, NY

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The average cost of car insurance in Baldwin, NY, is $1,799. This cost is higher than nearby locations like Lakeview and Freeport but lower than other nearby places like Hempstead, Baldwin Harbor, and South Hempstead. Zimlon, through its research, found that car owners in Baldwin, NY, can get multiple discounts on car insurance by considering various factors like location, age of the driver, and credit scores. Below is a list by Zimlon highlighting such factors and multiple discounts available for car owners in Baldwin, NY.

Multi-Car Insurance: 

Car owners in Baldwin, NY, can obtain discounts if they insure multiple vehicles with the same insurer. Insurance companies offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company. The average savings one can obtain in Baldwin, NY, are as follows:

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Age of the Driver: 

Car owners in Baldwin, NY, can make the cost of car insurance less expensive and get various discounts by comparing multiple age of the driver-based policies offered by different insurance companies. According to Zimlon’s analysis, teenagers and young drivers pay more car insurance costs than older drivers as insurance companies consider them as less responsible drivers. The average cost of car insurance in Baldwin, NY, for a teenager is $5,837, and for a 20-year old driver, it is $2,312. Whereas the car insurance cost for drivers between the age of 30-50 years is less than $1,800 in Baldwin, NY. 

Deductibles: 

This is one of the most common factors influencing the cost of car insurance in Baldwin, NY. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. According to Zimlon’s research, the average cost of auto insurance in Baldwin, NY, on a deductible of $500 is $1,351. This cost will decrease to $1,141 when the deductible is $1,000. 

Anti-Theft Feature: 

Cars that are equipped with safety devices are less prone to thefts; therefore, auto insurance companies in Baldwin, NY, provide a considerable amount of discounts to vigilant car owners. The discounts can depend on the type and number of safety devices installed. According to Zimlon’s research, car owners in Baldwin, NY, can get car insurance for $1,727 by installing safety devices like an audible alarm and active disabling device. Installing additional anti-theft features like tracking devices and passive disabling devices can further reduce the cost of car insurance to $1,691 and $1,673, respectively. 

Credit Score: 

Car owners in Baldwin, NY, can also make car insurance less expensive by maintaining positive credit scores. Several auto insurance companies provide considerable discounts to car owners that have a higher positive credit score and a clean driving history. Zimlon’s research found that car owners with a “good” credit score of 670-739 will have to pay $1,875. Whereas, for a “poor” credit score of 300-579 cost of car insurance in Baldwin, NY, can get as high as $2,934.