Hempstead Car Insurance

Your Complete Guide to Hempstead, NY Car Insurance

Where can I find a policy that works for me?

Hempstead, NY is located in the middle of Long Island, between the Long Island Sound and the Atlantic Ocean. The summers are hot and muggy, the winters are extremely cold and breezy, and it is wet and partly cloudy year-round.

When temperatures plunge in Hempstead, particularly during New York’s windy winters, collisions can happen, so you will want a great car insurance policy to cover against them. Whether your car broke down on the Southern State Parkway, or you had a major accident on Peninsula Boulevard, both could cost you hundreds or thousands of dollars in accident-related financial losses.

By hiring an independent insurance agent, you can shop for the best car insurance policy to meet your coverage and financial requirements. Find an independent insurance agent in Hempstead, NY to learn more today. You can start reviewing customized car insurance quotes right away.

How Much Does Car Insurance Cost in Hempstead, NY?

The average cost of car insurance in New York is much higher than the national average. However, you might be able to save hundreds every year by taking your time when shopping and comparing rates.

  • National average annual car insurance cost: $1,311
  • New York average annual car insurance cost: $2,062

Insurance prices can vary from one person to another , because all insurance companies have their own method of determining risk and calculating rates. Following are some of the factors your car insurance quote may be based on:

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

If you are bundling your car insurance with renters or homeowners insurance, you may qualify for significant discounts on your policies. You may also be eligible 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 comparing rates and obtaining the discounts you qualify for. They can help you get the car insurance coverage you require at the most inexpensive price.

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

Most car insurance policies are designed with a combination of mandatory and voluntary car insurance coverage options. As a resident of Hempstead, 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 coverage.

If you are still paying on or leasing your car, your bank or dealership will almost certainly 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 reimburses third-party individuals for personal injury and/or property damage. Please note that comprehensive and collision insurance do not meet New York’s vehicle financial responsibility requirements.

Following are some car insurance coverage options you might expect your local independent insurance agent to offer you:

  • Collision insurance (Partially optional): This covers repair or replacement of your car if it's damaged in an accident, regardless of fault.
  • Comprehensive insurance (Partially optional): This covers repair or replacement of your car if it's 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 undergo if you're 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 with your independent insurance agent for help in selecting your liability coverage requirements.

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

First, in the state of New York, it is mandatory 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 detained, you will be cited, and your license will be suspended for at least one year. If you get into an accident and are found liable, you will have to pay the expenses for any personal injuries and/or property damage that occurs.

Following are the penalties for driving without insurance in Hempstead, 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 Hempstead, NY?

The 2018 crime rate in Hempstead, NY was 214 per 100,000 households, which is 1.3 times lower than the US average. In the last five years, Hempstead has seen a decline in violent crime and a decline in property crime.

  • National auto theft rate per 100,000 vehicles: 228.9
  • NY auto theft rate per 100,000 vehicles: 67.2
  • Hempstead auto theft rate per 100,000 vehicles: 203.4

Though the risk of someone stealing your car is a much higher in Hempstead than the state average, remember  that you can only be reimbursed for a car theft if your car insurance policy includes comprehensive coverage. This optional coverage can also include a considerable variety of non-accident related damage such as floods or car fires.

Why Should You Work with an Independent Insurance Agent in Hempstead, NY?

Insurance policies can be complex, and searching through options can be confusing, time-consuming, and frustrating. An independent insurance agent's role is to simplify the process for you.

They will make sure you get the right coverage that meets your car insurance needs. Not only that, they will also break down all the jargon and explain the nitty-gritty, so you understand exactly what you are getting.

In addition, when it comes time to file a claim, you won't be alone. Your agent will be right there to help guide you through every step and get your life back to where it all was. How great is that?

Contact a Trusted Choice independent insurance agent with an office in or near Hempstead, NY to start comparing tailored car insurance quotes in no time.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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