Car Insurance in Binghamton, NY
With a good insurance policy, you can focus on your career, not on debts from a car accident.
Binghamton is a peaceful city that's surrounded by beautiful vistas and rolling hills, but natural spots like the Binghamton River Trail aren't its only claim to fame. With Binghamton University, Upstate Medical University, Broom Community College and Lourdes Hospital, the city offers excellent opportunities for education and healthcare. With VIU by HUB, local drivers can carefully weigh the options for car insurance in Binghamton, NY.
Binghamton is a comparatively safe city for driving, but it still has its share of car accidents. According to New York state data, the city sees almost 2,000 fender benders a year. Over 300 accidents a year cause injuries.
Considering how expensive medical care can be for serious auto accident injuries, it's wise for local drivers to think about personal injury protection for their car insurance. At Lourdes Hospital, a simple X-Ray can cost $1,450, a neck MRI $3,200 and a brain MRA $2,500 or more. Common surgeries can cost $9,000-$75,000 or more.
Another reason that drivers need excellent car insurance in Binghamton is that local weather conditions can get precarious. Residents have to deal with rain, sleet, snow or hail almost half the year. The city gets more than double the amount of snow as the national average.
It goes without saying that snowy, rainy and icy conditions demand extra care when driving. Car insurance doesn't prevent accidents, but it helps families repair vehicles quickly, protect their finances and pay for medical care after a crash. Of course, to get this type of complete protection, it's necessary to choose full coverage instead of basic liability only.
Even the most careful drivers should take the time to compare auto insurance coverage options. It's impossible to predict when someone speeding will skid on the ice, drive off the road or collide with another vehicle. Roads with tight curves and poor visibility, such as Route 12 between Greene and Binghamton, are practically asking for crashes in winter.
The Binghamton metropolitan area has a population of roughly 240,000 people. Area universities have approximately 45,000 students enrolled in any given year. The vast majority of workers in the city drive alone (80%) or carpool (8.5%), with only a minuscule percentage using public transportation. These statistics drive home how important auto insurance is in Binghamton.
A whopping 40% of local households own two cars, and another 20% own three vehicles. Each vehicle needs car insurance that adapts to the needs of the primary driver's routine and habits. Comparing policies from different insurers makes it easier to put together a package that covers the needs of every member of the family.
Binghamton is surprisingly affordable in terms of car insurance compared to other cities in New York. On average, local drivers pay about $2,000 a year, or $160 a month. That's on par with the rest of the U.S. and just over half the average for car insurance in New York state
With VIU by HUB, residents can compare more than prices. They can also check out coverage for theft, windshield damage, injuries, collisions, fallen branches and other options for car insurance in Binghamton, NY.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
