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How much is car insurance in Coram?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Coram typically costs about $56 a month less than it does in the rest of New York.
On the flip side, Coram residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $62 more expensive for coverage in Coram than the average rates seen in the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Coram, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down the average rates for Coram residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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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. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates start to rise again once you hit retirement age in Coram.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Coram is about $21 per month. As illustrated in the table above, male drivers in the area pay about $151 on average, while female drivers pay around $130 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Coram, a driving record with a single accident will usually get you a rate around $283 a month. Similarly, drivers with one ticket will typically pay around $346 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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||$161|
|15 Years or Older||$118|
In terms of affordable coverage, the cheapest vehicles to insure in Coram are typically cars, at $141 per month.
Truck and van drivers will see rates of about $142, while the rates for SUV owners average out to about $151 a month.
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, once your car is a few years old, you may start to see your monthly premium decrease. In Coram, 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)||$146|
On average, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
The cost of auto insurance in Coram reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$242|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $13 less than drivers who own property in Coram. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Coram, NY
Recent trends in car insurance for Coram drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Coram, the rates for car insurance had been decreasing from 2017-2019, when they hit a low of $107, but started to rise from 2020-2021. They finished down in 2022, at $84.
How does Coram compare to neighboring areas?
Why are car insurance rates in Coram different from other areas?
Car insurance companies take in several factors when choosing how much individual insurance policies will cost. Many factors affecting your policy are based around your home address. These factors include things like:
- Rate of car accidents
- Crime levels
- Availability of off-street parking
- Amount of drivers in the region
- Regional laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge 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 Coram?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Coram.
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Coram Insurance FAQs
What factors affect car insurance quotes in Coram?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Coram different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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 Coram?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Coram?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Coram or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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