Compare New York Car Insurance Quotes Today!
Are you looking for the best deal on car insurance in New York state? Online resources make it easier than ever to compare prices and to make informed decisions about your insurance needs; several websites provide personalized New York car insurance quotes.
If it’s been a while since you’ve checked your options, or if you’re considering adjusting your coverage, it’s worth taking a few minutes to get a quote and to see how much you could be saving. Some websites provide an estimated quote in a matter of minutes, others collect your information and arrange for a local agent to contact you by phone — usually within one business day.
Getting a quote online can also help you find out which discounts may be available to you: many companies offer discounts if you have been accident-free for a number of years, if you are a full-time student with a qualifying GPA, or if you have safety features installed on your car, such as airbags, anti-lock brakes, or daytime running lights.
Here’s an example to illustrate: Mr. Jones is responsible for an accident that results in a car being totalled; this car is valued at $50,000. He is carrying an insurance policy that provides Property Damage Liability coverage at the legal minimum of $10,000. This leaves the owner of the car $40,000 short — the owner may sue Mr. Jones for the difference. Keep this in mind as you compare New York car insurance quotes, since the costs of both car repair and medical treatment can be astronomical. Raising your coverage levels for Bodily Injury Liability, Property Damage Liability, and Personal Injury Protection may mean a slightly higher premium today, but better protection in the long run.
A popular way to lower your premiums is to choose a high deductible on Collision or Comprehensive coverage. If you drive an older car with a low book value, you may even choose to forgo Collision or Comprehensive completely, since this coverage is optional in New York State.
You’ll find that New York car insurance quotes are considerably lower for a liability-only policy, but if you choose this option you’ll have to be ready to cover your own expenses if your car is stolen, vandalized, or damaged in an accident where you are at fault.
The legal miniumum required for liability coverage in New York state is Bodily Injury Liability of $25,000 per person or $50,000 per accident, and Property Damage Liability of $10,000. You’ll see this written as 25/50/10 on your New York car insurance quotes. However, choosing a policy that provides higher levels of protection is usually recommended, especially if you have assets to protect.
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