New York Car Insurance Basics

Understanding the basics of New York car insurance will help you make an informed decision when you're buying a policy. All car owners in New York are required by law to carry three forms of auto insurance: no fault insurance, liability coverage and uninsured motorists protection. In addition to their mandatory policies, drivers can choose options like collision, comprehensive, gap or umbrella coverage for additional financial security.

The more you know about New York car insurance basics before you shop for a policy, the more likely you are to be satisfied with the coverage you receive. Before you commit to an insurance provider, compare auto insurance quotes from several of the leading insurers in the Empire State. The most affordable rates can be found by comparing your options before you make a final decision.

Buying NY Car Insurance

The state of New York is tough on uninsured drivers, and automobile owners who drive without New York car insurance are likely to be caught. The Insurance Information and Enforcement System, or IIES, works in tandem with the NY Department of Motor Vehicles to gather information about the insurance status of all registered vehicle owners. Through this network, insurance companies provide the New York DMV with details about which drivers are insured, when they buy a new policy and when they cancel or renew their insurance.

Motorists who do not buy the basic New York car insurance required by law may face steep fines as well as the suspension of their car registration and driver's license. If you drive a car in New York, it simply doesn't pay to risk the financial consequences of being caught without insurance. Any auto owner can find reasonably priced financial protection by requesting quotes from trusted providers.

Whether you need an extensive policy complete with collision, comprehensive and gap coverage, or you're only looking for liability, no-fault and uninsured motorists policies, auto insurers in the state of New York offer a wide range of options at rates that won't break your budget. Auto insurance agents and brokers must be licensed by the state to sell insurance in NY. Use the free resources on our site to find a reliable insurance provider that offers top notch financial protection for your valuable car.

When you review quotes from different providers, compare the value of the benefits offered in the policy to the cost of the premium, or payment. The object of your search for New York car insurance is to find a policy that offers all the features you need at the lowest possible price. In addition to evaluating the cost of insurance, consider the quality of service you receive from an insurance company representative, agent or broker. If you need to make a claim on your policy after a serious accident, you'll need help from a responsive, supportive claims manager.

New York Car Insurance Policies

The state of NY requires that all drivers carry no-fault insurance, or personal injury protection (PIP). PIP protects you, your passengers, other drivers and their passengers, pedestrians and other persons against economic losses caused by a car accident, regardless of who was at fault. If you or any other parties are injured in an accident, PIP may cover medical care, lost wages and other expenses associated with the accident. The purpose of no-fault New York car insurance is to help injured persons recover as quickly as possible and get back to their normal routines.

Liability insurance protects your financial assets if you are sued by another party who claims that your negligence or carelessness while driving caused injuries or property damage. Uninsured motorists insurance safeguards you and your loved ones against severe losses if you suffer property damage or injuries due to an accident caused by a motorist who was driving without insurance. New York state imposes minimum limits on the amount of PIP, liability and uninsured motorists coverage that drivers must maintain.

Many drivers choose to extend the minimum limits of their New York car insurance in order to have greater financial security. Along with the mandatory insurance, you can augment your coverage with optional collision insurance, which provides benefits if your car is damaged in a collision with another car or object. Comprehensive insurance pays for losses caused by fire, floods, theft, or other incidents unrelated to an auto collision.

Saving Money on Car Insurance

By paying a higher deductible, taking an accident-prevention course authorized by NY state, buying a car with air bags or anti-lock brakes or anti-theft devices, you can reduce the cost of New York car insurance. NY auto insurance providers offer a number of discounts to their customers, from reduced prices for seniors to rewards to high school students who earn good grades. Take advantage of every opportunity to learn more of the New York car insurance basics and reduce the cost of insurance by choosing a reliable, customer-oriented provider.

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