Scarsdale, NY Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Scarsdale, 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.
How to Save on Car Insurance in Scarsdale, NY?
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.
Factors that can influence the cost of car insurance in Scarsdale, 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.
- Scarsdale, NY Auto Insurance Rates
- Scarsdale, NY Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Scarsdale, NY
- Multi Vehicle Insurance Savings in Scarsdale, NY
- How Credit Score Affects Car Insurance Rates in Scarsdale, NY
- How DUI Affects Auto Insurance Premiums in Scarsdale, NY
- Top Auto Insurance Agents Near Scarsdale, NY
- How Driving Violations Affect Auto Insurance Rates in Scarsdale, NY
- Scarsdale, NY Auto Insurance Discounts on Anti Theft Feature
Scarsdale, NY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Scarsdale, NY with that of other cities in and around Scarsdale.
| Scarsdale | Hartsdale | White Plains | Harrison | Greenville | Ardsley | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,383 | $1,729 | $1,685 | $2,075 | $2,124 | $1,953 |
Scarsdale, 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 Scarsdale, 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) |
|---|---|---|
| Scarsdale | $2,356 | $1,990 |
| Hartsdale | $1,527 | $1,290 |
| Greenville | $2,021 | $1,707 |
| White Plains | $1,442 | $1,218 |
| Eastchester | $1,909 | $1,612 |
| Ardsley | $1,136 | $960 |
| Tuckahoe | $1,504 | $1,270 |
| Harrison | $1,762 | $1,489 |
Scarsdale, NY Auto Insurance Rates Based on the Age of the Driver | Back to Top
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.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $7,732 |
| 20 Years | $3,062 |
| 30 Years | $2,358 |
| 40 Years | $2,269 |
| 50 Years | $2,101 |
| 60 Years | $2,131 |
| 70 Years | $2,480 |
Scarsdale, NY Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Scarsdale, 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 | $4,194 | $572 |
| 3 Vehicles | $6,291 | $858 |
| 4 Vehicles | $8,388 | $1,144 |
Savings on 2 Vehicles bundle:$572
Savings on 3 Vehicles bundle:$858
Savings on 4 Vehicles bundle:$1,144
Scarsdale, 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 Scarsdale, NY.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Scarsdale | $2,383 | $3,595 |
| Hartsdale | $1,729 | $2,608 |
| Greenville | $2,124 | $3,204 |
| White Plains | $1,685 | $2,542 |
| Eastchester | $1,880 | $2,836 |
| Ardsley | $1,953 | $2,946 |
| Tuckahoe | $1,851 | $2,793 |
| Harrison | $2,075 | $3,130 |
Scarsdale, 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) | $2,045 |
| Excellent (740-799) | $2,334 |
| Good (670-739) | $2,483 |
| Average (580-669) | $3,240 |
| Poor (300-579) | $3,887 |
Scarsdale, 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 |
|---|---|---|---|
| Fouad Moutrane | Allstate | 310 Northern Blvd Ste F4, Great Neck, 11021 | (917) 754-2379 |
| Marc Marsella | Allstate | 475 Tuckahoe Rd Fl 2, Yonkers, 10710 | (914) 779-2300 |
| A. J. Fava Agency Inc. | Allstate | 600 Mamaroneck Ave, Mamaroneck, 10543 | (914) 698-8855 |
| A. J. Fava Agency Inc. | Allstate | 600 Mamaroneck Ave, Mamaroneck, 10543 | (914) 698-8855 |
| A. J. Fava Agency Inc. | Allstate | 600 Mamaroneck Ave, Mamaroneck, 10543 | (914) 698-8855 |
| Glenn Samuel | Allstate | 3525 Boston Rd, Bronx, 10469 | (718) 231-2100 |
| Albert Palancia Agency Inc | Travelers | 116 MAMARONECK AVE, MAMARONECK, 10543 | 914-698-1373 |
| Geoffrey Csenge | Allstate | 2097 Boston Post Rd, Larchmont, 10538 | (914) 834-6262 |
| Lombardo-Scotti Agency Ltd. | None | 733 Avenue, Suite 304, Yonkers, 10704 | None |
| The Rey Insurance Agency Inc | Erie | 219 N Broadway, Sleepy Hollow, 10591 | None |
| A-1 Agency | Travelers | 656 YONKERS AVE, YONKERS, 10704 | 914-237-6655 |
| Daniel F Magrino | Travelers | 9729 4TH AVE, BROOKLYN, 11209 | 718-745-6116 |
Scarsdale, 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 | +$105 | $2,488 |
| Driver's Failure In Showing Documents | +$231 | $2,614 |
| Driving With An Expired Registration | +$245 | $2,628 |
| Driving At A Considerably Slow Pace | +$517 | $2,900 |
| Using A Cellphone While Driving | +$546 | $2,929 |
| Running A Red Light | +$555 | $2,938 |
| Speeding | +$584 | $2,967 |
| Driving A Vehicle Without The Required Permission | +$741 | $3,124 |
| Driving With An Expired/Suspended License | +$1,606 | $3,989 |
Scarsdale, 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 | $2,288 |
| Active Disabling Device | $2,288 |
| Tracking Device | $2,240 |
| Passive Disabling Device | $2,216 |