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Cheap Car Insurance in Mount Vernon, NY

Finding cheap car insurance in Mount Vernon, NY is easier than ever before. With help from us at AutoInsuranceEZ.com, you can shop around for the cheapest quotes from the best providers in your zip code. All you have to do is tell us what that zip code is, and we can hook you up with the most affordable rates for you and your vehicle.

Mount Vernon was actually founded by a woman named Anne Hutchinson, who is a controversial figure in the Puritan community back in the 1600s. Its name means “Green Mountain”, and if you’ve ever traveled north to the residential countryside, you can clearly see why. The southern half of Mount Vernon is more urban and also more closely resembles its neighbor, the Bronx. The southern half also has a thriving downtown business district.

  • Fun fact: Looking for compassionate care? Then look no further than Mount Vernon, because they are #3 on the list of top 100 cities which have the largest percentage of females in the healthcare and social assistance Industry. Learn more interesting facts about Mount Vernon here.

Auto Insurance Coverage Requirements in New York

Driving legally in Mount Vernon requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 25,000/50,000
Medical Payments Not required 100,000
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

 
Do you know what type of coverage your vehicle needs? Lots of people think they can save money by getting away with liability only. But this can be a very expensive mistake. If you have a newer or a more expensive vehicle, you really should buy comprehensive coverage to protect your asset. Plus the higher liability limits which come with comprehensive coverage can protect you in the event that you are the one who causes a serious, expensive accident.

If you act now, you can save up to 47% of your current monthly car insurance premium just by living in Mount Vernon and comparing rates with us. This can be a serious chunk of savings, considering that the state average for New York right now is $201. And who doesn’t want to save money, right?

Average Monthly Auto Insurance Premiums Legend: Mount Vernon Hanover Nationwide Preferred Mutual State Farm Allstate 20 40 60 80 100 120 140 160 180 200 220 240 $101 $249 $167 $213 $229

 
Right now, with regard to Mount Vernon, it seems as though Hanover is offering some of the lowest prices in the area. Preferred Mutual is a relatively close second, with State Farm and Allstate vying for position #3 on the most affordable list. But at the end of the day, the company that can give you the lowest rate may be different based on your unique driver profile.

There are dozens of things that factor into what sort of monthly auto insurance premium you end up paying. Some of them are massively important, such as where you live. Others are less important or harder to come by, such as the type of security system on your vehicle. Regardless, you should be informed about these factors so that you can change as many of them in your favor as possible. It’s the most effective way of getting a cheaper rate for New York State Auto Insurance.

Major Car Insurance Factors in Mount Vernon

If you really want to get the cheapest rate, you have to know which variables your insurance company is factoring into the equation, and how important they are. We’re going to start by talking about the most important ones, such as:

Your Zip Code

Where you live has a lot to do with how much your insurance company will charge you. Areas with higher property values, lower rates of traffic, and better crime statistics mean you will get a much lower monthly premium. The opposite will result in a higher monthly rate. Average income and population statistics can help predict how likely you are to get into an accident with other drivers on the road. As of last count, Mount Vernon that had a population of 68,348 people, and a median household income of $52,684.

Auto Insurance by Zip Code Legend: Mount Vernon Buffalo New York State Farm Nationwide Preferred Mutual 20 40 60 80 100 120 140 160 180 200 220 240 260 280 $213 $136 $186 $249 $134 $281 $167 $70 $135

Automotive Accidents

It’s important to know how likely it is to get into an accident where you live. The more likely, the less you should try to be on the road when those accidents are likely to occur. Staying home during rush hour traffic and avoiding late night driving on the weekends can significantly lower your risk. There are even tracking devices you can plug into your car to prove to your insurance company you aren’t driving during dangerous times. Many providers will offer you a discount for this – and if accidents are rare where you live to start with, it’ll only save you that much more money.

Fatal Accidents in Mount Vernon, NY Legend: Mount Vernon Fatal Accidents Vehicles Involved in Fatal Accidents Fatal Crashes Involving Drunk Persons Fatalities Persons Involved in Fatal Crashes Pedestrians Involved in Fatal Crashes 1 2 3 4 2 4 1 2 3

Auto Thefts in Mount Vernon

Your risk of auto theft is another factor which can significantly raise or lower your insurance costs. And driving a flashy, expensive car isn’t the only thing that puts you at risk. Popular cars like Toyota Camrys or Honda Accords are often stolen because their spare parts are in such high demand. If you live in an area with a high crime rate, you could be the victim of random bad luck and get your car stolen for no logical reason at all. But putting a passive anti-theft alarm system in your car can help reduce your risk and earn you some discounts.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Hanover Nationwide Preferred Mutual 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 $101 $147 $249 $315 $167 $278

Your Credit Score

Life is easier with a better credit score, and auto insurance is no exception. Providers like to know their customers are more likely to pay their premiums on time and in full whenever they are due. Some companies may also correlate a good credit score with you being a better driver (even though this may not always be the case). Regardless, you’re going to have to take steps to make sure you have the best credit you can get. Once you get a good credit score, you’ll be eligible for more discounts.

Auto Insurance by Credit Score Legend: Good Credit Poor Credit Hanover Nationwide Preferred Mutual 25 50 75 100 125 150 175 200 225 250 275 300 325 $101 $342 $249 $265 $167 $244

Your Age

Most drivers over the age of 25 will see a dramatic drop in their auto insurance premiums compared to previous years. This is because, after a certain point, motorists will accumulate enough driving experience to make them less risky behind the wheel. This will decrease your likelihood of getting into an accident and lead to your insurance provider charging you less for your car insurance coverage.

Auto Policy Age Comparison Legend: 17 Year Old Driver 35 Year Old Driver Hanover Nationwide Preferred Mutual 50 100 150 200 250 300 350 400 450 500 550 600 $333 $101 $605 $249 $366 $167

Your Driving Record

Your insurance provider will take a look at your last three to five years of driving history when evaluating you and determining your premium. The fewer tickets you have earned or claims you have filed, the easier it will be to get the most affordable premium. Taking defensive driving courses can help get you in better standing if you do have recent accidents or tickets on your record. Otherwise, the best thing you can do is try to keep your nose clean and drive as safely as possible until those blemishes are no longer on your driving record.

Driving Violations Legend: Perfect Record Minor Violation Major Violation Hanover Nationwide Preferred Mutual 25 50 75 100 125 150 175 200 225 250 275 300 325 350 375 $101 $119 $165 $249 $311 $377 $167 $198 $282

Your Vehicle

The type of vehicle you drive – and the more expensive it is – can make or break the affordability of your insurance premium. Obviously, older and less expensive vehicles do not require as much coverage as newer and more expensive ones. But that doesn’t mean that you should purchase an insufficient amount of coverage on an older vehicle to save money. It also doesn’t mean that you should have to pay through the nose for extra coverage on a newer vehicle. Shopping around and comparing rates can still help you get an affordable premium, no matter how old or expensive your vehicle is.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2015 Chevy Corvette Hanover Nationwide Preferred Mutual 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 340 360 $101 $245 $249 $373 $167 $285

Minor Car Insurance Factors in Mount Vernon

Of course, tweaking some of the factors below can add up to some extra savings over time:

Your Marital Status

Whether you’re recently married, whether you’ve been married for decades, or whether you’re thinking about getting married, you should keep in mind that a small part of marital bliss includes auto insurance discounts. And these discounts get even better if you and your spouse bundle your insurance policies into one.

Your Gender

Is it true that men are more aggressive behind the wheel than women, and therefore make more dangerous drivers? Some insurance companies still believe this. Rarer still are car insurance providers who think women pose more of a threat behind the wheel than men. Regardless, if your insurance provider believes in either of these things, they could charge you up to 3% or more on your insurance premiums based on gender alone. If you shop around, though, you may be able to find a provider who offers the same rates to men and women alike.

Your Driving Distance to Work

Commute times can be pretty harsh for people living in Mount Vernon. The average commute time can range from 30-35 minutes, or even longer than that. For the average commuter, though, there are a variety of ways to get around town. A little over 50% of people actually drive their own vehicle; the rest of them either use the railroad, the bus, or carpooling.

The truth is that the fewer miles you drive in general – and the fewer miles you drive during rush hour traffic especially – the easier it will be to save yourself money on your monthly premiums. Driving fewer miles and avoiding traffic congestion means you’re that much less likely to get into an accident and a less risky investment. Insurance companies like to reward less-risky drivers with lower rates.

Your Coverage and Deductibles

There is a well-known inverse relationship between your deductible and your monthly premium. High deductibles result in a lower monthly rate because your insurance company will be happy about having to shell out less cash if you do file a claim. On the other hand, raising your deductible can be risky if you get into an accident and don’t have the cash to get the ball rolling on your repairs. Being stuck at home because you don’t have a vehicle can be disastrous for some people – especially people who are struggling financially and looking for more affordable insurance in the first place. So lowering your deductible to a reasonable price can help give you peace of mind even if it does raise your insurance costs in the short-term.

Education in Mount Vernon, NY

The Residents In Mount Vernon are predominantly those with a high school or equivalent level of education. As a matter of fact, this percentage is even higher than the state average at about 29%. The next most educated group in Mount Vernon are those with bachelor’s degrees, which is about 19% of the population. This is below the state average, but not by much.

If you live in Mount Vernon and don’t want to travel outside of the city for your education, you can take a look at the Westchester School of Beauty Culture or the Dorothea Hopfer School of Nursing-Mt Vernon Hospital. Both have relatively low enrollment and small class sizes. Outside of that, if you’re willing to commute a little bit, there are larger and more prestigious universities like Manhattan College, CUNY Lehman College, and even Fordham University. You have plenty of options to choose from.

If you’re dissatisfied with your current insurance provider because you don’t think you’re getting a fair price or because you aren’t satisfied with your customer service, then it’s good that you’re here. No one should have to settle for anything less than getting top quality service for an affordable rate. Let us help you find the provider near you that is willing to offer you both – just enter your zip code in the search box and will help you find a lower rate in 5 minutes or less!

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

New York Department of Financial Services

New York Department of Financial Services – Insurance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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