Car Insurance in Syracuse, NY
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Why Is It Important To Have Good Car Insurance in Syracuse, NY?
Syracuse University makes this New York city a college town at heart, but Syracuse is also a cultural hub, from the Syracuse Jazz Festival to the Taste of Syracuse food festival. Check out live music from breakout musicians in the heavy metal, ska or punk rock scene or enjoy delicious dining. Relax peacefully at one of the 100+ parks in and around Syracuse. Of course, with so many outdoor destinations, having good car insurance for your family is essential.
The Syracuse metropolitan area includes almost 2,500 square miles. with countless highways and city streets and a population of over 650,000 people. Almost 80% of workers drive to work on their own, and another 8% carpool. Only 2.5% use mass transit for commuting. The more time you spend driving, the more important car insurance becomes.
Winter weather makes having car insurance in Syracuse, NY, an even bigger necessity. Between November and March, there are over 120 days on average with freezing temps and over 40 snow days. Icy roads increase the risk of running into other vehicles, sliding into trees and other hazards.
How Many Car Accidents Happen in Syracuse?
Even though the city of Syracuse only has about 150,000 residents, it sees over 7,500 car crashes every year. In just three years, there were over 5,000 car accident injuries. It's almost impossible to predict when another driver is going to drive too fast, turn unexpectedly or pull out in front of you without looking. You can't control what other drivers do, but you can control the type of insurance coverage you have.
Did you know that general liability insurance only covers injuries for the other party? If you want coverage for your own medical treatment after a car accident, you need to include personal injury protection in your insurance policy. VIU by HUB helps you see what you're getting with different insurers.
How Much Is the Average Policy for Car Insurance in Syracuse, NY?
If you live in Syracuse, you can expect to pay slightly more for car insurance than the U.S. national average of $80 a month but less than other parts of New York. The average cost of Syracuse auto insurance is about $100 a month or $1,150 annually. This is considerably less than New York's $2,400-a-year average.
Of course, many factors determine how much you pay for auto insurance in Syracuse. Basic insurance mainly focuses on liability coverage if you get into an accident. To insure your vehicle against single-car accidents and storm damage, you need to include collision coverage and comprehensive car insurance.
Families that have teen drivers can expect higher costs. The type of car you drive also plays a role in insurance premiums. The good news is that VIU by HUB can help you save money by comparing premiums and coverage options from multiple insurers.
How Can VIU by HUB Help You Choose the Right Insurance?
Having the ability to compare different policies for car insurance in Syracuse, NY, puts the power back in your hands. You can shop around, see what options are available and use your money wisely. By saving money in one area, you may be able to invest in other types of coverage that fit your circumstances better. For example, you may benefit from specialized coverage for windshield replacement, underinsured motorist risks or theft.
This information is intended for general informational purposes only and is not intended to constitute legal advice.