For New Yorkers Who Want Cheap Car Insurance, But Don't Know Where to Start!

If you live in the state of New York and need to purchase inexpensive car insurance, try not to worry.  The wise always take their time, compare and carefully consider all the options.  Even if you're in a big hurry, there are some quick ways to find the best NY auto insurance for your family...and you don't even have to go a step further than your home computer!  Let's explore these methods and see how much you can really save.

Facts about New York Car Insurance

New York State has a no-fault system, which means each motorist is responsible for his/her own vehicle damages or physical injuries no matter which driver causes the accident.  NY requires each motorist to carry minimum liability insurance.  For Bodily Injury liability, the minimum is $25,000 (per individual) and $50,000 (per accident).  For Property Damage coverage, the limit is $10,000.  Personal Injury Protection is required with a $50,000 limit.  Uninsured/Underinsured Motorist coverage is also required with a limit of $25,000/$50,000.

Another helpful fact about New York auto insurance is the average cost of premiums in New York was $2,394 in 2009.  This is far above the national average of $1,735, but it doesn't mean you can't get cheap car insurance.  This only gives you an idea of what to expect when comparing various providers.  Companies in New York are not allowed to "fix the rates" so you'll likely find a wide span of pricing if you compare at least 10 or more providers.

Look for local and/or statewide insurance providers in your comparison.  There are local providers in every major city, including Buffalo, New York City, Mount Vernon, Rochester, Syracuse and Albany.  Here are just a few of the providers available in New York:  AIG National, AIU Insurance, Allstate, American Casualty, Deerbrook, Clarendon, Geico, Hartford, Landmark, Liberty, Farmers, Nationwide, Motors, Travelers, Progressive and State Farm.  For a complete list of auto insurance providers in New York State, visit the NY Department of Insurance website.  The Department's site gives much helpful information about car insurance, legal requirements, how you can get assistance with insurance needs, etc.

Know the Types of Coverage

One way to save money is to know what other types of coverage are available and compare quotes based on this knowledge.  Don't assume a company is offering collision or towing or medical payments insurance in the quote.  Read the quote details in full.  Collision coverage might be required if you still owe money on your vehicle. Comprehensive insurance is never required; however, this type of car insurance gives peace of mind if you live in an area where there's a high rate of car theft or where your car could easily become damaged from weather elements.  This is good coverage to have in these cases. 

If you're purchasing a new or used vehicle soon, consider whether or not the car is on the "most stolen vehicle" list in New York State.  This list includes many popular automobiles such as the 1990 Toyota Camry, the 1994 Dodge Caravan, the 1993 Honda Civic, the 1990 Honda Accord and the 1994 Plymouth Voyager.  Check out statistics online regarding New York highways and automobiles before choosing a specific vehicle.  Then find out what the insurance will cost before you buy.

Once you've become familiar with New York State car insurance, go online to a comparison site to gather quotes and contact information from several insurance agencies.  Find out what each has to offer, from types of coverage to discounts.  You'll be surprised at the difference in pricing, and just a little effort can potentially save you hundreds of dollars each year!
 

by CheapCarInsuranceCo.com

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