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How much is car insurance in Bayside?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Bayside will typically run you about $63 a month more than in the rest of New York.
Likewise, drivers in Bayside may pay higher rates than the rest of the country. You can expect to pay about $181 more for your policy in Bayside.
While these numbers represent the average monthly payments for coverage in Bayside, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't sweat it however, we've broken down average rates for Bayside residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $222 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in Bayside.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Bayside totals about $80 per month. Looking at the table above, you can see that female drivers pay around $201 on average, while male drivers typically pay $281 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay less than those with infractions. In Bayside, drivers with one accident on their record will experience rates around $431 a month.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$150|
|15 Years or Older||$225|
The cheapest vehicles to insure in Bayside are usually trucks and vans, with each type typically costing about $98 per month.
Car owners can expect to pay an average of around $312 a month for their policy, while SUVs usually cost around $165 a month to insure.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. In Bayside, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$296|
Generally, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Bayside is about $130 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $188 less than drivers who own property in Bayside. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Bayside, NY
Recent trends in car insurance for Bayside drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Bayside, the rates for car insurance declined from 2017-2018, before steadying out in 2019. Car insurance rates rose again recently, hitting a high of $412 in 2022.
How does Bayside compare to neighboring areas?
Why are car insurance rates in Bayside different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Local laws
- Road safety
- Number of drivers in the community
- Crime rates
- Availability of off-street parking
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Bayside?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering policies in Bayside.
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Bayside Insurance FAQs
What factors affect car insurance quotes in Bayside?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Bayside different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Bayside?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bayside?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Bayside or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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