Syracuse Auto Insurance

Are you searching for a lower auto insurance premium in Syracuse? Syracuse is a city in New York and Syracuse auto insurance is naturally affected by the New YorkState laws as well as the insurance risks and conditions as per New Yorkers. But fear not, Syracuse is not right smack in New York City, which has the highest density of cars amongst the cities in New York. Getting lower car insurance is possible in Syracuse. If you are staying in Syracuse and is looking to lower your current car insurance, then you should read on to learn more about Syracuse Auto Insurance system.

Factors For Syracuse Auto Insurance

Being in New York, Syracuse follows the New York state’s insurance minimum requirements; a 25/50/10 insurance requirements. The minimum that each driver will need is a $25,000 Bodily Injury coverage per person, a minimum Personal Injury Protection coverage of $50,000 and a property damage liability of $10,000 per accident. New York is also one of those states that have a No-Fault system that requires the insurance companies to pay for your claims regardless of fault. Although this sounds reasonable and reduces the disputes between motorists, it actually limits your rights to sue should you actually feel the need to.

The average insurance premium in New York is $2536.77 in Jun 2009 while the national average is $1804.41. This is a 29% higher than the national average, making it the highest of all the states. Therefore Syracuse residents are also paying high than average auto insurance premiums. This is quite unjustifiable as the accident statistics in Syracuse is much lower than the New YorkState averages.

East Syracuse, New York:

• Fatal accident count: 11
• Vehicles involved in fatal accidents: 14
• Fatal accidents caused by drunken drivers: 4
• Fatalities: 11
• Persons involved in fatal accidents: 21
• Pedestrians involved in fatal accidents: 3

New York average:

• Fatal accident count: 69
• Vehicles involved in fatal accidents: 100
• Fatal accidents caused by drunken drivers: 18
• Fatalities: 74
• Persons involved in fatal accidents: 173
• Pedestrians involved in fatal accidents: 10

Clearly Syracuse residents are paying a high insurance premium due to the higher risk imposed by the other cities in New York. The next time you are getting a quote for your car insurance, remember to remind your insurance broker about getting a discount for having an address in Syracuse.

You can also lower your auto insurance premium by providing evidence that you are a safe driver. You should attend defensive courses especially if you are a young driver and do not have an accident-free record for 3 years. You can also install safety features in your car which will also qualify you for discounts, such as airbags or other restraints, anti-lock brakes, anti-theft alarms and automatic daytime running lights. Always ask for discounts if you have any features that can enhance the safety of the car and ask whether there are any other options that can help you to get the discounts as well. Another way to lower your insurance rates is to buy a car that is not within the top 10 most stolen vehicles in New York. Insurance rates are higher for cars which has a history of higher theft probability.

1. 1995 Honda Civic
2. 1994 Honda Accord
3. 1991 Toyota Camry
4. 1996 Dodge Caravan
5. 1996 Nissan Maxima
6. 2000 Jeep Cherokee/Grand Cherokee
7. 2002 Ford Explorer
8. 1994 Plymouth Voyager
9. 1999 Ford Taurus
10. 2007 Toyota Corolla

There are many auto insurers in Syracuse and I shall not list them here. Progressive Car Insurance, GEICO Car Insurance and State Farm Car Insurance are 3 of the biggest automobile insurers in Syracuse but you should shop around and even try getting quotes from online sources before you commit to a policy.