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How much is car insurance in Bellport?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Bellport is about $54 cheaper than it is in the rest of New York.
That being said Bellport residents should prepare to pay higher rates for coverage than the rest of the country. It's around $64 more expensive for coverage in Bellport than the average rates seen in the rest of the U.S.
These may be the average auto insurance rates for Bellport, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've broken down the average rates for Bellport to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to 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|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may begin to go back up in Bellport.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Bellport, where female drivers pay around $166 per month while male drivers pay about $143.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Accident||Not Enough Data|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|2-3 Years||Not Enough Data|
|15 Years or Older||$121|
As you can see in the first table above, the cheapest vehicles to insure in Bellport are typically SUVs, which run about $118 per month.
Car owners will see rates of about $187, while truck and van owners by and large pay around $139 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. In Bellport, vehicles eight-to-ten years old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$148|
Generally speaking, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Bellport reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$315|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Bellport, expect to pay around $12 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Bellport, NY
Recent trends in car insurance for Bellport drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Bellport, auto insurance rates decreased from 2015-2016, before rising from 2017-2020. They finished down in 2021 at $113.
How does Bellport compare to neighboring areas?
Why are car insurance rates in Bellport different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Access to off-street parking
- Prevalence of crime
- Number of drivers
- Regional regulations
- Road Safety (frequency of car accidents)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Bellport?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer plans in Bellport.
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Bellport Insurance FAQs
What factors affect car insurance quotes in Bellport?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Bellport different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Bellport?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Bellport?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Bellport 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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