Astoria Car Insurance

Your Complete Guide to Astoria, NY Car Insurance

Where can I find a policy that works for me?

Located in the western part of Queens, NY, Astoria is encircled by the East River, Long Island, Sunnyside, and Woodside. Astoria is a culturally diverse neighborhood located in Queens with low-rise homes and small businesses.

When temperatures plummet in Astoria, particularly during New York’s freezing winters, accidents can occur, so you will need a great car insurance policy to cover against them. Whether your car broke down on Astoria Boulevard, or you had a major accident on I-278, both could cost you hundreds of dollars in collision-related monetary losses.

By consulting an independent insurance agent, you can shop for the best car insurance policy to meet your coverage and financial needs. Find an independent insurance agent in Astoria, NY to learn more today. You can start assessing custom-made car insurance quotes at once.

How Much Does Car Insurance Cost in Astoria, NY?

The average cost of car insurance in New York is a bit lower than the national average. Nevertheless, you might still be able to save hundreds annually by taking your time when shopping and evaluating rates.

  • National average annual car insurance cost: $1,311
  • New York average annual car insurance cost: $1,234

Insurance rates can vary from one individual to another, since all insurance companies have their own method of ascertaining risk and calculating rates. Following are some of the considerations the price of your car insurance quote may be based on:

  • Your credit score and driving record
  • The amount of liability insurance being obtained
  • The coverage options included in your policy
  • The make, model, and year of the vehicles being insured
  • Your age, gender, occupation, and marital status
  • The amount of your deductible
  • Information about other licensed drivers using your vehicle
  • Whether you own or rent your home

If you are bundling your car insurance with renters or homeowners insurance, you may be eligible for considerable discounts on your policies. You may also be qualified for other discounts, such as if you have a safe driving record or get good grades in school.

Let an independent insurance agent aid you in evaluating rates and finding the discounts you qualify for. They can help you get the car insurance coverage you need at the most reasonable priced.

What Car Insurance Coverage Options Are Available in Astoria, NY?

Basically, all car insurance policies are built with a blend of mandatory and voluntary car insurance coverage options. As a resident of Astoria, NY, your policy must meet or exceed New York’s minimum car insurance coverage requirements. New York requires drivers to carry liability car insurance and uninsured motorist insurance.

Are you still paying for your car or leasing your vehicle? Then your lender or car dealership will probably require you to carry comprehensive and collision insurance.

The minimum liability insurance requirements are as follows:

  • $25,000 for injury/death to one person.
  • $50,000 for injury/death to more than one person.
  • $10,000 for damage to property.

Liability insurance pays third-party individuals for personal injury and/or property damage. Please be aware that comprehensive and collision insurance do not meet New York’s vehicle financial responsibility requirements.

Following are several car insurance coverage options you can expect your local independent insurance agent to offer you:

  • Collision insurance (Partially optional): This covers repair or replacement of your car if it is damaged in an accident, regardless of fault.
  • Comprehensive insurance (Partially optional): This covers repair or replacement of your car if it is lost or damaged due to a non-collision event such as flooding, lightning, or a car fire.
  • Uninsured motorist insurance (Required): This covers other non-covered damage and injuries you may suffer if you are in a collision with an uninsured, underinsured, or hit-and-run driver.
  • Roadside assistance and towing (Optional): This covers essential options if your car breaks down while out driving, like if all your engine coolant leaks out.
  • Rental reimbursement coverage (Optional): This covers the cost of renting an alternate car while your car is being repaired following a covered event.

Talk to your independent insurance agent for help in selecting your liability coverage requirements.

What Is the Penalty for Driving without Insurance in Astoria, NY?

First, in the state of New York, you are required to turn in your registration and surrender your license plates before your insurance policy is canceled. If you drive without insurance in New York and are caught, you will be cited, and your license will be suspended for at least one year. If you get into an accident and you are at fault, you will be responsible for the costs of any personal injuries and/or property damage that occur.

Following are the penalties for driving without insurance in Astoria, NY:

  1. Uninsured operation of a motor vehicle:
    • Suspension of registration for one year, and/or
    • Suspension of license for one year
  2. Uninsured operation of a motor vehicle resulting in an accident:
    • Suspension of registration for one year, and/or
    • Suspension of license for one year
  3. Civil penalty:
    • All required civil penalties must be paid before restoration of registration and/or license.
    • Installment and partial payments are not acceptable.

What Is the Auto Theft Rate in Astoria, NY?

The 2018 crime rate in Astoria, NY was 572 per 100,000 residents.

  • National auto theft rate per 100,000 vehicles: 228.9
  • NY auto theft rate per 100,000 vehicles: 67.2
  • Astoria auto theft rate per 100,000 vehicles: 375.37

Though the possibility of someone stealing your car is much higher in Astoria, you should remember that you can only be reimbursed for auto theft if your car insurance policy includes comprehensive coverage. This optional coverage can also include a significant variety of non-collision related damage, such as floods or fires.

If you are have a car loan or are leasing your car, hopefully, you have comprehensive coverage. If not, talk with your independent insurance agent to discover how much it will cost to include this non-collision related coverage in your car insurance policy.

Why Work with an Independent Insurance Agent in Astoria, NY?

Independent insurance agents can be beneficial when searching for the best car insurance policy to meet your requirements. These insurance professionals can explain your coverage options, answer insurance-related questions, and help you review offerings from multiple insurance firms.

Get in touch with a TrustedChoice independent insurance agent with an office in or near Astoria, NY to start comparing customized car insurance quotes in minutes.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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