Car Insurance in Schenectady, NY
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Choose Car Insurance That Covers the Risks You Face
Schenectady is an explorer's dream, with incredible art and architecture to see, such as the Stockade Historic District and its Colonial homes. There are many reasons to drive around this historic settlement, from relaxing in the Central Park rose garden to picking out fresh veggies at the Greenmarket. For peace of mind when driving around town, it's worth taking the time to compare your car insurance in Schenectady, NY.
Do People in Schenectady Have To Worry About Car Accidents?
Considering the city's tranquil atmosphere and population of less than 70,000 people. you may wonder if car accidents are that common. The statistics are surprising. According to New York data, Schenectady County had approximately 20,000 vehicle crashes in just three years, or about 6,500 a year. Over 1,500 car accidents each year cause some type of injuries.
A large number of these car crashes happen when roads are wet (3,300), snowy or icy (1,700). The city gets 60 inches of snow a year, rain 130 days a year and freezing temps another 130 days. In comparison, the U.S. average is only 28 inches of snow. If you live in Schenectady, you know how to drive in winter, but you can't be sure the other drivers do.
Don't let the city's calm exterior fool you. Enjoying the many sights is a good thing. You just have to choose car insurance in Schenectady, NY, that provides the coverage you need to stay safe. That's where VIU by HUB's compare feature comes in.
How Many People Commute in Schenectady?
The more time you spend on the road, the greater your risk of getting into a car accident eventually. Plus, if you drive to Albany for work, you have to consider Albany's traffic, not just relaxed drives around Schenectady.
The large majority of local workers take their own cars to work. Only 7.5% use public transit. Another 8% commute by carpooling. Not surprisingly, most households (35%) in Schenectady own two cars, and many families (15%) have three vehicles.
How Much Does Schenectady Car Insurance Cost?
On average, Schenectady auto insurance costs about $300 a month for full coverage and $185 a month for basic liability. The New York state average for full coverage is slightly lower, and the U.S. average is about $165.
Of course, your specific premiums depend on many factors, such as your driving record and the type of vehicle you drive. Driving a car that has a high crash rating may lower your bill. Even a good credit score can make a difference.
How Can You Choose the Right Type of Insurance?
When you choose your auto insurance, take your family's habits and needs into account. For example, if you have a teen driver, you may feel tempted to get the bare minimum insurance coverage because of the higher premiums. To cover medical emergencies after a crash, though, you would also need to include personal injury protection in your plan.
VIU by HUB makes it easy to browse a variety of coverage options for car insurance in Schenectady, NY. That way, you don't just see the premium. You also see what you're getting for your money. The more information you have, the better decision you can make when it comes to insurance policies for your family.
This information is intended for general informational purposes only and is not intended to constitute legal advice.