Harbor Isle Auto Insurance Rates, Quotes, Agents & Reviews in NY

Harbor Isle, NY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Harbor Isle, 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.

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Factors that can influence the cost of car insurance in Harbor Isle, 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.


Harbor Isle, NY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Harbor Isle, NY with that of other cities in and around Harbor Isle.

Harbor Isle Bay Park Hewlett Neck Island Park Lawrence Hewlett Harbor
Average Insurance Rates $1,854 $1,776 $2,218 $1,803 $2,114 $2,217

Harbor Isle, 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 Harbor Isle, 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)
Harbor Isle $1,288 $1,088
Island Park $1,269 $1,072
Barnum Island $1,502 $1,268
Long Beach $1,389 $1,174
Bay Park $1,670 $1,410
Hewlett Neck $1,987 $1,678
Hewlett Harbor $2,285 $1,930
Lawrence $2,153 $1,818

Harbor Isle, NY Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Harbor Isle, 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 $6,016
20 Years $2,382
30 Years $1,835
40 Years $1,765
50 Years $1,635
60 Years $1,658
70 Years $1,929

Harbor Isle, NY Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Harbor Isle, 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 $3,263 $445
3 Vehicles $4,895 $667
4 Vehicles $6,526 $890

Savings on 2 Vehicles bundle:$445

Savings on 3 Vehicles bundle:$667

Savings on 4 Vehicles bundle:$890


Harbor Isle, 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 Harbor Isle, NY.

Location Average Insurance Cost Post DUI Insurance Rate
Harbor Isle $1,854 $2,797
Island Park $1,803 $2,720
Barnum Island $1,849 $2,790
Long Beach $1,859 $2,805
Bay Park $1,776 $2,679
Hewlett Neck $2,218 $3,346
Hewlett Harbor $2,217 $3,345
Lawrence $2,114 $3,189

Harbor Isle, 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) $1,591
Excellent (740-799) $1,816
Good (670-739) $1,932
Average (580-669) $2,520
Poor (300-579) $3,024

Harbor Isle, 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 +$82 $1,936
Driver's Failure In Showing Documents +$180 $2,034
Driving With An Expired Registration +$191 $2,045
Driving At A Considerably Slow Pace +$402 $2,256
Using A Cellphone While Driving +$425 $2,279
Running A Red Light +$432 $2,286
Speeding +$454 $2,308
Driving A Vehicle Without The Required Permission +$577 $2,431
Driving With An Expired/Suspended License +$1,250 $3,104

Harbor Isle, 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 $1,780
Active Disabling Device $1,780
Tracking Device $1,743
Passive Disabling Device $1,724