Baldwin, NY Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Baldwin, NY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Auto Insurance Discounts Up To $504 in Baldwin, NY
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:
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.
Factors that can influence the cost of car insurance in Baldwin, NY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Baldwin, NY Auto Insurance Rates
- Baldwin, NY Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Baldwin, NY
- Multi Vehicle Insurance Savings in Baldwin, NY
- How Credit Score Affects Car Insurance Rates in Baldwin, NY
- How DUI Affects Auto Insurance Premiums in Baldwin, NY
- Top Auto Insurance Agents Near Baldwin, NY
- How Driving Violations Affect Auto Insurance Rates in Baldwin, NY
- Baldwin, NY Auto Insurance Discounts on Anti Theft Feature
Baldwin, NY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Baldwin, NY with that of other cities in and around Baldwin.
| Baldwin | Hempstead | Baldwin Harbor | Lakeview | South Hempstead | Freeport | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,799 | $1,834 | $1,821 | $1,797 | $1,820 | $1,771 |
Baldwin, NY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Baldwin, NY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Baldwin | $1,351 | $1,141 |
| South Hempstead | $1,035 | $874 |
| Rockville Centre | $1,914 | $1,616 |
| Freeport | $2,406 | $2,032 |
| Roosevelt | $989 | $835 |
| Hempstead | $1,577 | $1,332 |
| Lakeview | $2,461 | $2,078 |
| Baldwin Harbor | $1,374 | $1,161 |
Baldwin, NY Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Baldwin, 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.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,837 |
| 20 Years | $2,312 |
| 30 Years | $1,780 |
| 40 Years | $1,713 |
| 50 Years | $1,586 |
| 60 Years | $1,608 |
| 70 Years | $1,872 |
Baldwin, NY Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Baldwin, NY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $3,094 | $504 |
| 3 Vehicles | $4,641 | $756 |
| 4 Vehicles | $6,189 | $1,007 |
Savings on 2 Vehicles bundle:$504
Savings on 3 Vehicles bundle:$756
Savings on 4 Vehicles bundle:$1,007
Baldwin, NY Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Baldwin, NY.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Baldwin | $1,799 | $2,714 |
| South Hempstead | $1,820 | $2,746 |
| Rockville Centre | $1,950 | $2,942 |
| Freeport | $1,771 | $2,672 |
| Roosevelt | $1,748 | $2,637 |
| Hempstead | $1,834 | $2,767 |
| Lakeview | $1,797 | $2,711 |
| Baldwin Harbor | $1,821 | $2,747 |
Baldwin, NY Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,544 |
| Excellent (740-799) | $1,762 |
| Good (670-739) | $1,875 |
| Average (580-669) | $2,446 |
| Poor (300-579) | $2,934 |
Baldwin, NY Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Gena Henry | Liberty Mutual | 70 E Sunrise Hwy Ste 406, Valley Stream, 11581 | 1-516-256-4100 |
| Carlstan North Hills Agency Inc | Travelers | 261-20 HILLSIDE AVE, FLORAL PARK, 11004 | 718-343-6450 |
| John V. Ferris Insurance | None | 328 Bellmore Rd , East Meadow, 11554 | None |
| Arthur Huth | State Farm | 1229 Peninsula Blvd, Hewlett, 11557-1223 | 516-374-2100 |
| James Piscitelli | State Farm | 23436 Merrick Blvd, Rosedale, 11422-1320 | 718-723-1616 |
| Joseph Riccardella | None | 90 Dyckman Ave. , New Hyde Park, 11040 | None |
| Jeannine J. Izzo | Allstate | 3340 Hillside Ave, New Hyde Park, 11040 | (516) 747-7900 |
| Jeannine J. Izzo | Allstate | 3340 Hillside Ave, New Hyde Park, 11040 | (516) 747-7900 |
| Harding Martucci Inc | Travelers | 626 Rxr Plz Fl 6, Uniondale, 11556 | None |
| Brooks Farris Inc | Travelers | 1146 FOREST AVE, STATEN ISLAND, 10310 | 718-981-2787 |
Baldwin, NY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$79 | $1,878 |
| Driver's Failure In Showing Documents | +$175 | $1,974 |
| Driving With An Expired Registration | +$185 | $1,984 |
| Driving At A Considerably Slow Pace | +$390 | $2,189 |
| Using A Cellphone While Driving | +$412 | $2,211 |
| Running A Red Light | +$419 | $2,218 |
| Speeding | +$441 | $2,240 |
| Driving A Vehicle Without The Required Permission | +$559 | $2,358 |
| Driving With An Expired/Suspended License | +$1,213 | $3,012 |
Baldwin, NY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,727 |
| Active Disabling Device | $1,727 |
| Tracking Device | $1,691 |
| Passive Disabling Device | $1,673 |