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How much is car insurance in Selden?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Selden is about $51 cheaper than it is in the rest of New York.
If you're considering relocating to Selden from out of state, you may want to budget a little extra for your insurance. It's about $67 more expensive than the national average to insure your vehicle in Selden.
While these are the average costs to insure your vehicle in Selden, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Selden 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 makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay $79 more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates begin to go back up in Selden.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance, Selden actually defies this trend. While female drivers pay $161 per month for car insurance coverage, males only pay about $122.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Selden with a single accident will pay around $187 a month.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$126|
|15 Years or Older||$153|
As you can see in the first table above, the cheapest vehicles to insure in Selden are typically trucks and vans, which run about $92 per month.
SUV drivers will see rates of about $137 to insure their car, while car owners usually pay around $155 a month.
The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Selden, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$145|
Overall, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Selden, with married couples paying about $23 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$198|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $22 a month more than if you own your own home in Selden. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Selden, NY
Recent trends in car insurance for Selden drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Selden, auto insurance rates rose consistently from 2016-2020. They finished down in 2021, at $161.
How does Selden compare to neighboring areas?
Why are car insurance rates in Selden different from other areas?
Car insurance companies look at a variety of factors when they're choosing 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:
- Community regulations
- Availability of off-street parking
- Road Safety (how many accidents each locality has)
- Prevalence of crime
- Total number of drivers in the area
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Selden?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Selden.
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Selden Insurance FAQs
What factors affect car insurance quotes in Selden?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Selden 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 Selden?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Selden?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Selden or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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