New York Car Insurance
New York is known for being a state with fantastic wilderness and bustling cities. New York City is also known for its traffic, and no matter where you are in the state, a car accident has likely occurred. Automobile accidents can lead to heavy expenses. Whether you are looking to check out Broadway shows, see the best TV has to offer, or check out the gorgeous wilderness that is all over the state, and adequate automobile insurance policy is a must.
To get the best car insurance rates with the top auto insurance information, read here about auto insurance requirements in the state of New York, as well as the cheapest auto insurance companies.
Auto Insurance Requirements In New York
While knowing the car insurance requirements in the state of New York is important, it is also vital to know that the minimum limits for car insurance in New York do not always cover all of the expenses related to an automobile accident. Due to this, many drivers decide to get a higher amount of car insurance for liability coverage, and may also decide to get additional insurance types like collision insurance coverage, comprehensive insurance coverage, lease gap insurance coverage, uninsured motorist coverage, underinsured motorist coverage, and there are numerous other types of policies that can be beneficial.
Since by law you are only required to have bodily injury liability coverage in the amounts of $25,000 per person and $50,000 per accident, property damage liability coverage of $10,000 per accident, uninsured/underinsured bodily injury coverage in the amounts of $25,000 per person and $50,000 per accident and personal injury protection in the amount of $50,000, you cannot be penalized if you do not have other types of insurance policies.
New York has larger car insurance requirements than many other states, which does affect the average cost for car insurance in the state of New York.
Average Cost Of Coverage In New York
The average cost of auto insurance coverage in New York is between $1200 a year and $1450 per year, depending on gender. This can vary from one neighborhood to the next, and also from city to city. Automobile insurance coverage in New York is expensive, so finding the cheapest car insurance companies and shopping around can help drivers save a lot of money in the long run.
Cheapest Car Insurance Companies In New York
Vehicle insurance companies in New York use different variables to determine policyholder rates. By focusing on having a good driving record, having good credit, and looking for the top discounts available, drivers can save themselves a lot of money. Shopping around for car insurance coverage in New York is also a great way to save. By starting with the known cheaper car insurance providers, you can get the best deals for automobile insurance available.
Cheap car insurance companies in the state include USAA, Erie, Utica National, Progressive, and there are other great automobile insurance companies in the state to consider as well.
Cheapest Car Insurance In New York By City
The city a person lives in also has an impact on the rates they pay for automobile insurance coverage. Depending on where you live, rates can vary drastically. The least expensive places to have auto insurance in New York are the smaller cities in upstate New York. The least expensive cities to get insurance for your vehicle include not only these cities, but also Albany, Rochester, and Syracuse.
Most Expensive Car Insurance In New York By City
Conversely, most expensive rates for automobile insurance in the state include New York City and Yonkers. Cities like Buffalo New York find themselves squarely in the middle, and other more expensive cities in the state include Mount Vernon.
Laws, Rules And Penalties In New York
Penalties for driving without insurance in the state of New York are pretty significant. If you are caught driving without insurance, you can pay fines of up to $1,500 or more. You can also be arrested, have your vehicle impounded, or have your license suspended or revoked. Multiple offenses can result in heavier penalties, and there are other laws regarding using cell phones in the state, including making phone calls without headsets and sending texts and emails.
How To Save Money On Car Insurance In New York
Saving money on car insurance plans in the state of New York involves shopping around and comparing premiums from multiple companies. Drivers also find cheaper car insurance plans by seeking out companies that give them the largest discounts. Using the tools here on the site will get you to free quotes on car insurance for the best policies from the top auto insurance companies.