Car Insurance in Troy
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Protection for You and Your Car in Troy, NY
The Empire State has some beautiful countryside, and you can see a lot of it around the small city of Troy. One of the biggest benefits of living in a small city is the short commute of around 20 minutes. no matter what job you do.
The Albany-Schenectady-Troy area's dominant industries are healthcare, education, government services and transportation. The economy is diverse, though, with thousands of jobs in manufacturing, mining and logging, hospitality and other major industries. No matter what you drive or what you do, VIU by HUB lets you compare quotes on car insurance in Troy so you can find the best deal on the coverage you need.
Upstate New York's weather is mild for most of the year, with the occasional winter storm that can cause trouble on the roads for a few days at a time. The tornado index value for Troy is significantly higher than for New York state overall at 85.39 to the state's average of 49.25. It is still quite low compared to the national average of 136.45, however. The tornado index is based on the number of historic tornado reports in an area.
The eastern side of New York does see some storm activities from hurricanes that make their way north along the Atlantic coast, but they are infrequent. Rainfall is relatively plentiful in the area, though, and storm systems are relatively common, which can affect driving conditions in the warm seasons. Public transportation in the area provides shuttle bus routes between local cities and limited coverage within them, but the average household in Troy does own a car.and the average worker does commute.
The Insurance Costs in New York State
New York has slightly higher than average insurance costs compared to the rest of the country, but the range across the state is quite wide. MarketWatch found that Progressive offers the lowest average quote cost at $1,399 annually for a 25-year-old driver with a clean driving record. The state's average premium price for that coverage is $2,398.
A lot can influence the individual results you see when you request a quote, though. Using VIU by HUB lets you compare quotes to find out where you will get your best deal on insurance, even if it is not the company that has the best average.
In addition to a wide range of prices between carriers, New York also has a wide range of costs from one city to the next. Car insurance in Troy is quite inexpensive compared to the state's average costs, with the average quote for full coverage being $1,311 annually across all insurance providers. The affordable insurance costs contribute to the area's generally low cost of living, and they are comparable to cities like Albany, Schenectady and Binghamton.
Individual Factors in Premium Costs
Insurance costs in an area are affected by the average value of the vehicles driven, the rate of traffic accidents locally and factors like the risk of extreme weather events leading to dangerous roadways. There are also individual factors that affect the cost of your coverage:
- Your credit scores at the major credit bureaus
- The age and size of your vehicle
- Accidents or tickets on your driving record
- The age and number of drivers on the policy
Auto insurance in New York includes personal injury protection with a no-fault orientation designed to make sure you get the help you need quickly after an accident. Find your best combination of cost and coverage options by comparing quotes on car insurance in Troy with VIU by HUB.
This information is intended for general informational purposes only and is not intended to constitute legal advice.