New York Car Insurance

When you start your search for insurance in New York, you should know three things. Not only will they help you get a great deal on your New York car insurance rate, it may help keep you from getting a ticket or even getting your driving privileges suspended.

1. Make Sure You Have the Minimum Coverages for Liability Insurance

New York state liability limits are $25,000 for one person's injuries, $50,000 for more than one person's injuries, $50,000 for one person's death, $100,000 for more than one person's death, and $10,000 for property damage for any one accident. If you do not have these liability coverage amounts, you can receive a ticket, a fine, and points on your license. If you were in an accident, you could have serious problems if these limits were not in place.

2. Don't Let Your Insurance Lapse

When times get tight, it can be very tempting to let your automobile insurance lapse. However, not having any insurance can open you and your family up for financial ruin. Vehicle repairs and medical bills can run up into the tens of thousands of dollars. If you don't have insurance, you will more than likely be held responsible for all of the bills.

3. New York Is a No Fault State

This means that when you are in an accident, your insurance company pays for your car and related accident bills, and the other driver's insurance company will pay for their bills. However, if you have no insurance, you are out all of that money.

There are a lot of things that can affect your car insurance rates in New York. You'll want to keep your driving record clean, drive a safe car, and even do your best to keep your credit report clean. Even these small steps will get you a lower premium

Did you know that if your liability coverage lapses in New York, you must surrender your license plates to the DMV?

The best place to find New York cheap car insurance is online. There are a multitude of websites that will provide you with a New York car insurance quote. The process is very simple and it only takes just a few minutes. You can quickly get a look at different policies and premiums.

How to Get a Free Car Insurance Quote

When you determine which site you want to use, simply fill out the application. You'll provide the basic information about all the drivers in the home, your vehicle information, and what type of coverage you want. You'll get a screen with several companies that offer the type of coverage you want, as well as premiums for each company.

Purchase Your Policy Online

Once you receive your premium amount, you can purchase your policy. Most will accept an echeck or credit card payment. You can even set up to have the premium taken out of your bank account each month.

If You Move, You Must Notify the DMV

New York State has a rather unique law. When you move, you must file a change of address with the DMV within 10 days. If you do not do so, there is a laundry list of penalties. The same with your car insurance. If your insurance lapses for more than 90 days on your vehicle, even if it is broken down, your driver's license will be suspended.

In Closing

New York cheap car insurance is required for all vehicles, whether they are running or not. The only exception to this is a motorcycle. Get your insurance and keep it to avoid many of the penalties imposed in this state.

Auto Quote Now is a fantastic site for finding great prices on New York car insurance. It's fast and easy to view policies and premiums here, as well as purchase your New York cheap car insurance.