New York Auto Insurance in New York
Each state has own its own auto insurance requirements. If you are shopping for New York car insurance, it is important that you have this information on hand. If you don't have it, it's just as good as not having insurance at all. Now, let's take a quick look at the minimums for New York auto insurance requirements.
Finding Affordable New York Auto Insurance Policies in New York
New York is considered a no-fault state when it comes to car insurance coverage. This means if you are involved in a car accident, then your own policy will cover you and that of the other driver will cover him or her. It does not matter whose fault the accident was - the policy covers the policyholder no matter what.
Any New York driver is mandated by state law to take out the minimum car insurance requirements, just like what happens in any other state. However, the main difference is in the fact that the car insurance coverage requirements in New York can be a little more detailed and in-depth, especially where coverage is concerned. This means that coverage becomes more expensive as the costs come.
Here are the rates for New York's minimum car insurance coverage:
Property damage liability: $10,000
Basic no-fault coverage: $50,000
Bodily injury liability, on the other hand, comes at different figures. For mere injury, $25,000 is allotted for each person involved while $50,000 is allotted for each accident. For death, $50,000 is allotted per person while $100,000 is given per accident. There are also several figures to keep in mind when it comes to uninsured motorist's coverage. For injury, each person is allotted $25,000 while each accident is allotted $50,000. For death, it is the same with bodily injury liability, where each person is given $50,000 and each accident is allotted $100,000.
If you do not own your car yet - like in the case of taking out a car loan, then you will most likely be required to take out more than the minimum requirements in car insurance to drive the streets of New York. Just like in any other state, drivers who do not have full ownership of their cars yet will have to take out more than the minimum in car insurance. Even some states require drivers to take out full coverage, until such time when they are able to pay for their cars in full already. This can be quite costly.
Still, in spite of the high costs entailed in car insurance in New York, it is still highly possible to find great and affordable deals in the market. Just remember to shop around and not to settle with the first insurance company you find, no matter how attractive its offer might be. Make sure to do business with an insurance company that's licensed to sell car insurance in New York as well, to be on safe ground. Lastly, make sure your car has updated safety features, including antitheft alarm systems, child-proof locks, and reinforced windows. Having a lot of safety features will prod insurance companies to see you as a responsible driver, thereby giving you lower premiums for your policy.
Local auto insurance quotes in your area
AutoQuoteNow.com can help you compare car insurance quotes for auto insurance coverage in all of the following ZIP codes in New York
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