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

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

Zimlon, through its research, found that car owners in Root, 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 Root, NY

The average cost of car insurance in Root, NY, is $1,645. Car owners may find affordable auto insurance in Root, NY, when compared to nearby cities like Montgomery County ($1,641), Sharon Springs ($1,646), Palatine Bridge ($1,635), Canajoharie ($1,641), Ames ($1,643), and others. You can learn about the minimum coverage standards in your state by researching. The necessary coverage, however, may differ from one driver to the next and from one insurance to another. Zimlon has compiled a list of auto insurance providers in Root, New York, after comparing quotes from the city's top automobile insurance providers.

By Obeying Driving Regulations

When it comes to auto insurance, it's always good to obey the law. This is especially true in Root, NY, where obeying driving regulations can get you a discount on your insurance. Following the road rules allow you to keep your rates low and save money on your insurance. Insurance companies give discounts for drivers with a clean driving record on car insurance prices in Root, NY. The way you drive and how your automobile is used has a substantial impact on your insurance rates. Driving through a red light or with an expired registration, for instance, increases the cost of auto insurance in Root, New York, by +$383 and +$1109, respectively.

Car Insurance in Lansing, MI, Based on Age 

Younger drivers are generally considered to be more of a risk than older drivers. They're more likely to be involved in more serious accidents. They're also more likely to get speeding tickets and other traffic violations. Insurers also know that younger drivers are less likely to have the financial resources to pay for damages they cause in an accident. That's why they charge more to insure younge drivers. For instance, in Root, NY, drivers in their 30s and 40s pay $1,628 and $1,566 in vehicle insurance, respectively, while teens spend $5,338 in Root, NY.

By Availing of Multi-Car Discounts

Multi-car discounts can save you significant money on your auto insurance rates. If you have more than one car in your household, you may be eligible for a multi-car discount from your auto insurance company. This discount is typically given to households with two or more cars insured with the same company. The discount may be applied to your base rate or a percentage of your total premium. In Root, New York, car owners typically pay $2,862 for two vehicles and $4,293 for three. On average, they may save between $$428 and $642 on vehicle insurance in Root, New York.

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

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

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

Root Montgomery County Sharon Springs Palatine Bridge Canajoharie Ames
Average Insurance Rates $1,645 $1,641 $1,646 $1,635 $1,641 $1,643

Root, 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 Root, 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)
Root $1,065 $900
Montgomery County $1,239 $1,047
Ames $1,133 $957
Canajoharie $1,616 $1,365
Charleston $1,465 $1,237
Palatine Bridge $2,167 $1,830
Sharon Springs $1,947 $1,644
Carlisle $1,487 $1,256

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

Teenagers in Root, 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 $5,338
20 Years $2,114
30 Years $1,628
40 Years $1,566
50 Years $1,451
60 Years $1,471
70 Years $1,712

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

Car owners in Root, 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 $2,862 $428
3 Vehicles $4,293 $642
4 Vehicles $5,725 $855

Savings on 2 Vehicles bundle:$428

Savings on 3 Vehicles bundle:$642

Savings on 4 Vehicles bundle:$855

Root, 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 Root, NY.

Location Average Insurance Cost Post DUI Insurance Rate
Root $1,645 $2,482
Montgomery County $1,641 $2,476
Ames $1,643 $2,479
Canajoharie $1,641 $2,476
Charleston $1,670 $2,519
Palatine Bridge $1,635 $2,467
Sharon Springs $1,646 $2,483
Carlisle $1,665 $2,512

Root, 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) $1,411
Excellent (740-799) $1,611
Good (670-739) $1,714
Average (580-669) $2,236
Poor (300-579) $2,683

Root, 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
Shults Agency Allstate 3 Canal St, Fort Plain, 13339 (518) 993-2387
Hearn Agency Liberty Mutual Independent 209 ERIE BLVD, CANAJOHARIE, 13317 518-673-3263
Scott Beatty State Farm 129 Wallins Corners Rd, Amsterdam, 12010-1816 518-843-0522
Becky Ianniello State Farm 4 Executive Park Dr Ste 2, Albany, 12203-3717 518-489-0294
Beacon Insurance Agency Group Inc None 56 Main St Amsterdam, town of amsterdam, 12010 None
Cool Insuring Agency Inc Liberty Mutual Independent 784 TROY SCHENECTADY RD, LATHAM, 12110 (518) 783-2665
Arthur J Gallagher & Risk Management Services Travelers 677 BROADWAY 4TH FL, ALBANY, 12207 518-399-7879
Charles B. Clarke Inc. Dba Burt Anthony Associates None 750 Delaware Ave , Delmar, 12054 None

Root, 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 +$72 $1,717
Driver's Failure In Showing Documents +$160 $1,805
Driving With An Expired Registration +$169 $1,814
Driving At A Considerably Slow Pace +$357 $2,002
Using A Cellphone While Driving +$377 $2,022
Running A Red Light +$383 $2,028
Speeding +$403 $2,048
Driving A Vehicle Without The Required Permission +$512 $2,157
Driving With An Expired/Suspended License +$1,109 $2,754

Root, 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 $1,579
Active Disabling Device $1,579
Tracking Device $1,546
Passive Disabling Device $1,530