Belle Terre Car Insurance

Last Updated on June 2, 2023

If you live in Belle Terre, NY, you know that driving in this scenic village can be a pleasure. But you also know that accidents can happen anytime, anywhere. That’s why you need reliable auto insurance to protect yourself and your vehicle.

But how do you find the best auto insurance in Belle Terre, NY? How do you compare rates and coverage options from different providers? And how do you save money on your premiums without compromising on quality?

That’s where New York Motor Insurance comes in. We are your one-stop shop for finding the best auto insurance quotes in Belle Terre, NY. We work with top-rated insurers to bring you the most affordable and comprehensive policies for your needs.

How to Get Auto Insurance Quotes in Belle Terre, NY

Getting auto insurance quotes in Belle Terre, NY is easy with New York Motor Insurance. All you have to do is enter your ZIP code, basic information about yourself and your vehicle, and your desired coverage level. Within minutes, you will see a list of quotes from multiple providers, along with their ratings, reviews, and discounts.

You can compare the quotes side by side and choose the one that suits your budget and preferences. You can customize your policy by adjusting your deductibles, limits, and optional coverages. Once you find the perfect policy, you can buy it online or over the phone with one of our licensed agents.

How Much Does Auto Insurance Cost in Belle Terre, NY?

The average cost of auto insurance in New York is $1,600 per year, but the rates vary depending on several factors, such as:

Belle Terre is a small village with a population of about 800 people. It is located on the north shore of Long Island, overlooking Port Jefferson Harbor. It is known for its historic homes, wooded hills, and private beaches. The village has a low crime rate and a high median income, which may positively affect your auto insurance rates.

However, Belle Terre is also close to busy highways like Route 25A and Route 347, which may increase your risk of accidents and traffic violations. The village also experiences harsh winters with snow and ice, which may damage your vehicle or impair your visibility. These factors may negatively affect your auto insurance rates.

To get an accurate estimate of how much auto insurance costs in Belle Terre, NY, you should get personalized quotes from different providers. New York Motor Insurance can help you do that in minutes.

What Are the Minimum Auto Insurance Requirements in Belle Terre, NY?

New York is a no-fault state, which means that if you are involved in an accident, your own insurance company will pay for your medical expenses and lost wages, regardless of who was at fault. However, this does not cover property damage or bodily injury to others.

To drive legally in New York, you must have the following minimum liability coverage:

  • $25,000 per person and $50,000 per accident for bodily injury
  • $50,000 per person and $100,000 per accident for death
  • $10,000 per accident for property damage

You must also have the following personal injury protection (PIP) coverage:

  • $50,000 per person for medical expenses and lost wages

In addition to these minimum requirements, you may want to consider adding optional coverages to your policy for extra protection. These include:

  • Collision coverage: This pays for the repair or replacement of your vehicle if it is damaged in an accident with another vehicle or object.
  • Comprehensive coverage: This pays for the repair or replacement of your vehicle if it is damaged by something other than a collision, such as fire, theft, vandalism, or natural disaster.
  • Uninsured/underinsured motorist coverage: This pays for your medical expenses and property damage if you are hit by a driver who has no insurance or not enough insurance to cover your losses.
  • Gap coverage: This pays the difference between what you owe on your vehicle loan or lease and what your vehicle is worth if it is totaled in an accident.
  • Rental reimbursement coverage: This pays for renting a car while your vehicle is being repaired after an accident.
  • Roadside assistance coverage: This pays for towing, jump-starting, changing a flat tire, or delivering fuel if your vehicle breaks down.

How to Save Money on Auto Insurance in Belle Terre, NY

Auto insurance can be expensive, but you can save money on your premiums without sacrificing quality. Here are some tips to help you lower your auto insurance costs in Belle Terre, NY:

  • Shop around: Compare quotes from different providers and choose the best value for your money. New York Motor Insurance can help you do that easily and quickly.
  • Bundle your policies: If you have other types of insurance, such as home or life insurance, you may get a discount by buying them from the same provider as your auto insurance.
  • Raise your deductibles: If you can afford to pay more out of pocket in case of an accident, you can lower your premiums by choosing higher deductibles for your collision and comprehensive coverages.
  • Lower your limits: If you have assets or savings that exceed the minimum liability requirements in New York, you may want to lower your limits to save money on your premiums. However, this may expose you to financial risk if you cause a serious accident.
  • Drive safely: Avoid accidents and traffic violations by following the rules of the road and driving defensively. This will help you maintain a clean driving record and qualify for safe driver discounts.
  • Drive less: The less you drive, the less likely you are to get into an accident or file a claim. You may get a low-mileage discount if you drive less than a certain number of miles per year.
  • Pay annually or biannually: Instead of paying monthly installments for your auto insurance policy, you may be able to save money by paying upfront for six months or a year.
  • Use anti-theft devices: Installing an alarm system, a steering wheel lock, or a tracking device on your vehicle may deter thieves and reduce the risk of theft. You may get an anti-theft discount from some providers if you have these devices.
  • Take a defensive driving course: Completing a state-approved defensive driving course may improve your driving skills and reduce your chances of getting into an accident. You may get a defensive driving discount from some providers if you show proof of completion.
  • Ask for discounts: There may be other discounts that you are eligible for but not aware of, such as good student discounts, military discounts, senior discounts, or loyalty discounts. Ask your provider about any discounts they offer and see if you qualify.

Local Belle Terre Auto Insurance Agents

If you prefer to buy auto insurance from a local agent instead of online, you can find several options near Belle Terre, NY. Here are some examples:

*We are not affiliated with any of the agents listed below

Kenneth J Veale
106 W Broadway, Port Jefferson, NY 11777
(631) 476-0722
Foremost

Three Village Bennett Agency
154 W Broadway, Port Jefferson, NY 11777
(631) 403-4107
Mercury, Safeco, Hanover, Utica National, Merchants, The Hartford, GuideOne, NY Central Mutual, MetLife Auto & Home, Encompass, Progressive, GMAC
Full service insurance agency. Church specialty program.

Obrien Agency
402 Main St, Port Jefferson, NY 11777
(631) 474-7070
Nationwide

Maiella Associates
803 Main St, Port Jefferson, NY 11777
(631) 331-2525
MetLife Auto & Home, The Hartford

KNH Associates
15 Caleb Brewster Rd, East Setauket, NY 11733
(631) 751-4060
The Hartford

Classic Insurance Agency
900 Hallock Ave, Port Jefferson Station, NY 11776
(631) 474-1000
Foremost, Mercury, NY Central Mutual, The Hartford

Platinum Coverage
28 Jones St Ste 102, Setauket, NY 11733
(631) 451-0007
The Hartford

Frank D Cirisano Agency
149 Main St, Setauket, NY 11733
(631) 751-5100
Foremost, Hanover, NY Central Mutual, The Hartford

Brookhaven Agency
150 Main St, Setauket, NY 11733
(631) 941-4113
Foremost, Merchants, NY Central Mutual, Safeco
2.39 miles distant

Karras Agency
108 Terryville Rd, Port Jefferson Station, NY 11776
(631) 928-5052
Progressive, Mercury, Utica National, MetLife Auto & Home, Travelers
Family owned and operated independent insurance agency. Serving the greater Port Jefferson area for 30 years.

Tony Ardise
45 Route 25a Ste 2, Setauket, NY 11733
(631) 689-7120
State Farm

Darlene Freund
100 S Jersey Ave, East Setauket, NY 11733
(631) 689-3100
Allstate

Jeffrey Freund
100 S Jersey Ave Unit 25, East Setauket, NY 11733
(631) 689-3100
Allstate

The Archdeacon Agency
100 S Jersey Ave Unit 5, East Setauket, NY 11733
(631) 751-1133
Merchants, The Hartford

Stephanie Sgroi
1006 Route 112, Port Jefferson Station, NY 11776
(631) 473-6941
State Farm

Coverage Concepts
4953 Nesconset Hwy, Port Jefferson Station, NY 11776
(631) 331-7700
Fireman’s Fund, Foremost, MetLife Auto & Home

Newbrook Insurance Agency
14 Roosevelt Ave, Port Jefferson Station, NY 11776
(631) 473-7059
Encompass, Merchants, Mercury, NY Central Mutual, The Hartford

Proios Insurance Agency
18 Roosevelt Ave, Port Jefferson Station, NY 11776
(631) 473-9200
Encompass, Merchants

Liberty Mutual – Edward J. Beekman
4747 Nesconset Hwy Unit 28, Port Jefferson Station, NY 11776
(631) 928-8591 x52869
Liberty Mutual
Auto, home and life insurance from Liberty Mutual.

Garbe Associates
655 Route 25a Ste B, Mt Sinai, NY 11766
(631) 473-3230
Nationwide

Anthony Motta
4511 Route 347, Port Jefferson Station, NY 11776
(631) 928-9232
State Farm

Bobby Hull Insurance
4513 Nesconset Hwy, Port Jefferson Station, NY 11776
(631) 473-6300
MetLife Auto & Home, The Hartford

Rochelle M Holland
18 Woodfield Rd, Stony Brook, NY 11790
(631) 689-0309
MetLife Auto & Home

Ireton-Williams Agency
12 Research Way Ste 2, East Setauket, NY 11733
(631) 751-0403
MetLife Auto & Home, QBE

Randy Pelosi
1073 Route 25a, Stony Brook, NY 11790
(631) 751-6800
State Farm

Bill Goble
232 Belle Mead Rd Ste 8, East Setauket, NY 11733
(631) 246-5200
Allstate

Gene Dicks
1672 Route 112, Coram, NY 11727
(631) 928-2647
State Farm

Kevin Cantwell
595 Route 25a Ste 16, Miller Place, NY 11764
(631) 744-3350
ANPAC

John Sheren
691 Route 25a, Miller Place, NY 11764
(631) 821-4300
Allstate

Final Word

Auto insurance is essential for anyone who drives in Belle Terre, NY. It can protect you from financial losses and legal liabilities if you cause or are involved in an accident. It can also cover the repair or replacement of your vehicle if it is damaged by various causes.

To find the best auto insurance in Belle Terre, NY, compare quotes from different providers and choose the one that meets your needs and budget. You should also consider adding optional coverages to enhance your protection and look for ways to save money on your premiums.

New York Motor Insurance can help you with all these steps. We are an online platform that connects you with top-rated insurers who offer affordable and comprehensive policies for drivers in Belle Terre, NY. We make it easy to compare quotes, customize your policy, and buy it online or over the phone.

Don’t wait any longer. Get started today by entering your ZIP code below and see how much you can save on auto insurance in Belle Terre,
NY with New York Motor Insurance!