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How much is car insurance in Bellerose?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $37 a month cheaper to insure your vehicle in Bellerose than it is in the rest of New York.
Drivers relocating the Bellerose should take note of the differences in average rates. You can expect to pay about $81 more for your policy in Bellerose.
Although these are the average rates for auto insurance in Bellerose, it's important to remember that you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've broken down average rates for Bellerose to help you understand what your policy's monthly premium will cost. If you think you might be overpaying for insurance in your area, 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|
The older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may rise again in Bellerose.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Bellerose bucks this trend. Female drivers typically pay around $27 more per month for insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Bellerose, a driving record with one accident will usually get you a rate around $186 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $75.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$175|
|15 Years or Older||$167|
In terms of affordable coverage, the cheapest vehicles to insure in Bellerose are typically SUVs, at $147 per month.
Car owners can expect to pay an average of around $165 a month for their policy, while truck and van drivers are usually around $244 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. In Bellerose, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$171|
Generally, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Bellerose reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
Your housing situation is another factor that affects your monthly rate. Homeowners in Bellerose can expect to pay around $14 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Bellerose, NY
Recent trends in car insurance for Bellerose drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Auto insurance rates in Bellerose declined from 2016-2017, and again, from 2019-2020. Car insurance rates finished up in 2021, at $224 a month.
How does Bellerose compare to neighboring areas?
Why are car insurance rates in Bellerose different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Frequency of car accidents
- Prevalence of crime
- Regional laws
- Availability of off-street parking
- Total number of drivers in the community
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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Bellerose?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in Bellerose.
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Bellerose Insurance FAQs
What factors affect car insurance quotes in Bellerose?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Bellerose different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Bellerose?
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 Bellerose?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Bellerose or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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