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| It is mandatory for all drivers of registered vehicles in New York to carry valid insurance. Severe penalties will apply if you let your policy lapse. The most affordable insurance policy in New York for your vehicle will also be the one that offers the state mandated minimum liability limits. Insurance coverage for vehicles must be a minimum of $25,000 per person and $50,000 per accident for injuries; $50,000 per person and 100,000 per accident for death and $10,000 for property damage caused by any one accident. Uninsured motorist coverage is required and New York State is also a no-fault state. It is advisable to consider other limits of liability when you seek a New York car insurance quote as higher liability limits may better suit your individual needs.
An insurance agent can help you differentiate between a cheap New York auto insurance policy and one that truly meets your needs. Often, the lowest price may not always be the best choice as the company has to be considered as well. Going with a reputable automobile insurance company that can demonstrate that it is financially strong can help to insure that your company will pay a claim if the need arises. The goal should be to get an affordable New York car insurance policy that truly meets your individual needs.
The agents listed in our multi-line insurance agent directory represent some of the top insurance companies writing policies. In addition to writing automobile insurance, these agents generally also write other lines of insurance such as homeowners, condo, renters and life insurance. Discount automobile insurance in New York may be just a phone call away if multiple policies are written with the same insurance company. Find your city and call one of our multi-line insurance agents today and experience the kind of customer service that only an agent can provide. |
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New York state requires that all drivers carry auto liability coverage, uninsured motorist bodily injury coverage, and personal injury protection in order to register a vehicle. The state's standard liability coverage requirements are 25/50/10. That is $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $10,000 for damage you cause to the other party's personal property. Many states now also use credit as a rating tool and having good credit can mean a lower rate. In addition New York requires uninsured motorist bodily injury coverage with the minimums 25/50. New York also requires personal injury protection in the amount of $50,000. Overall Rates are determined by the driving habits of the drivers within a state. New York determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. Visit the New York Department of Insurance for additional details at the Insurance Basics link on this site. |
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