How to Save on Car Insurance in Scarsdale, NY?

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The average cost of car insurance in Scarsdale, NY, is $2,383. This cost is higher than nearby locations like Hartsdale, White Plains, Harrison, Greenville, and Ardsley. Car owners in Scarsdale, NY, can save on auto insurance by comparing multiple insurance quotes from different auto insurers. The average cost of auto insurance also depends on factors like the make and model of the vehicle and the driver’s age.


Age of the Driver: 

According to Zimlon’s analysis, teenagers in Scarsdale, NY, usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Residents in Scarsdale, NY, can save on their car insurance costs by comparing different insurance policies that provide a discount for certain age groups. The average car insurance cost for teenagers in Scarsdale, NY, is $7,732, whereas it is less than $2500 for drivers above the age of 30 years. Insurance companies also provide significant discounts to young drivers for completing specific driving courses. 

Multi-Car Insurance: 

Another way to save more on car insurance is by insuring multiple vehicles with the same company. Most of the insurers in Scarsdale, NY, offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can also opt to insure their life, auto, and home insurance with the same insurer to get added benefits.

The average auto insurance cost of insuring two cars in Scarsdale, NY, is $4,194, which helps owners to save $527. Insuring 3 or 4 cars together can further help to save $858 and $1,144, respectively. 

Anti-Theft Feature: 

Car owners in Scarsdale, NY, can also save more on auto insurance by equipping their vehicles with anti-theft features. Cars equipped with safety devices are less prone to thefts; therefore, auto insurance companies provide a considerable amount of discounts to vigilant car owners. However, these discounts on auto insurance depend on the type and number of safety devices installed in the vehicle.

In Scarsdale, NY, the insurance cost for vehicles equipped with anti-theft features like audible alarm and an active disabling device is $2,288. Moreover, the cost of auto insurance for vehicles with a tracking device is $2,240 and $2,216 for a passive disabling device.  

Driving Under Influence (DUI): 

Driving Under Influence (DUI) leads to expensive car insurance costs as the cost of auto insurance increases drastically post-DUI. The average insurance cost of $2,383 in Scarsdale, NY, hikes up to $3,595 post- DUI. Car owners can save on insurance costs by avoiding driving under influence.  

Credit Scores:

Having an “excellent” or “good” credit score will also help car owners to save money on auto insurance in Scarsdale, NY. Several auto insurance companies provide discounts to the car owner that have a higher positive credit score. Car insurance companies use the credit score of car drivers to determine suitable car insurance rates.