Medina Auto Insurance Rates, Quotes, Agents & Reviews in NY

Medina, NY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Medina, 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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Discounts Available on Car Insurance in Medina, NY

Car insurance is essential to owning and operating a vehicle in Medina, NY. All drivers must have minimum liability coverage to drive legally in New York. Liability coverage pays for any damages or injuries you may cause to other people or property in the event of a car accident. The average cost of car insurance in Medina, NY, is $1,624. The cost of car insurance in Medina, NY, can vary depending on a variety of factors, such as your age, driving record, type of vehicle, and the type of coverage you choose. Your insurance premiums may also be affected by discounts that you may qualify for, such as multi-policy, multi-car, and safe driver discounts. After analyzing prices from the best vehicle insurance companies in Medina, New York, Zimlon has prepared a list of these companies.

By Obeying Driving Regulations

Driving is a daily part of life for most people in Medina, NY, and obeying driving regulations is essential to keep insurance costs down. Insurance companies review your driving record when determining your premiums, so any violations can lead to higher rates. Staying safe on the road and following the road rules can help keep your insurance costs low. For instance, in Medina, New York, driving through a red light or driving with a suspended licence results in hikes of +$378 and +$1095 in the price of auto insurance, respectively.

By the Age of the Driver

The prevailing assumption is that younger drivers pose a greater risk than older ones. They are more prone to be engaged in more serious accidents. Additionally, they are more likely to get ticketed for speeding and other traffic infractions. Younger drivers are less likely to have the financial means to cover accident-related costs, which is another thing insurers are aware of. Young drivers are more expensive to insure for this reason. For instance, drivers in their 30s and 40s in Medina, New York, pay $1,607 and $1,546 in auto insurance, respectively, while teenagers pay $5,270.

By Availing of Multi-Car Discounts

You may save a lot of money on your auto insurance by taking advantage of multi-car discounts. Your auto insurance provider may offer a multi-car discount if your household owns more than one vehicle. Usually, households with two or more cars insured via the same carrier are eligible for this discount. Your base rate or a portion of your total premium may be discounted. For example, in Medina, New York, car owners typically pay $2,826 for two vehicles and $4,239 for three. They might save, on average, between $422 and $633 on car insurance in Root, New York.

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

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

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

Medina Hartland Yates Middleport Albion Ridgeway
Average Insurance Rates $1,624 $1,644 $1,639 $1,634 $1,635 $1,635

Medina, 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 Medina, 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)
Medina $1,435 $1,212
Ridgeway $1,590 $1,343
Shelby $1,912 $1,615
Middleport $1,454 $1,228
Lyndonville $1,231 $1,040
Yates $1,128 $953
Hartland $1,456 $1,230
Albion $1,949 $1,646

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

Teenagers in Medina, 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 $5,270
20 Years $2,087
30 Years $1,607
40 Years $1,546
50 Years $1,432
60 Years $1,452
70 Years $1,690

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

Car owners in Medina, 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 $2,826 $422
3 Vehicles $4,239 $633
4 Vehicles $5,652 $844

Savings on 2 Vehicles bundle:$422

Savings on 3 Vehicles bundle:$633

Savings on 4 Vehicles bundle:$844

Medina, 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 Medina, NY.

Location Average Insurance Cost Post DUI Insurance Rate
Medina $1,624 $2,450
Ridgeway $1,635 $2,467
Shelby $1,631 $2,461
Middleport $1,634 $2,465
Lyndonville $1,633 $2,464
Yates $1,639 $2,473
Hartland $1,644 $2,480
Albion $1,635 $2,467

Medina, 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) $1,393
Excellent (740-799) $1,591
Good (670-739) $1,692
Average (580-669) $2,208
Poor (300-579) $2,649

Medina, 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
M F Murphy Insurance Agency Inc Travelers 111 Pine St, Lockport, 14094 None
Silsby Insurance Agency Travelers 4360 PEET ST, MIDDLEPORT, 14105 716-735-9401
Slack Insurance Agency Travelers 441 MAIN ST, MEDINA, 14103 585-798-2530
Julie Coy State Farm 5838 S Transit Rd, Lockport, 14094-6318 716-433-4436
Sardinia Assoc Llc Allstate 534 Main St, Medina, 14103 (585) 798-2660
Seaway Insurance Associates Erie 8645 ROCHESTER RD, GASPORT, 14067 716-772-2500
Ryan R Ferraro Nationwide 1130 Crosspointe Trail Ste 9B, Webster, 14580-2986 (585) 663-1810

Medina, 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 +$71 $1,695
Driver's Failure In Showing Documents +$158 $1,782
Driving With An Expired Registration +$167 $1,791
Driving At A Considerably Slow Pace +$352 $1,976
Using A Cellphone While Driving +$372 $1,996
Running A Red Light +$378 $2,002
Speeding +$398 $2,022
Driving A Vehicle Without The Required Permission +$505 $2,129
Driving With An Expired/Suspended License +$1,095 $2,719

Medina, 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 $1,559
Active Disabling Device $1,559
Tracking Device $1,527
Passive Disabling Device $1,510