Compare New York Car Insurance Quotes Today!

February 6, 2017 · Posted in General Articles on Car Insurance 
by Ricardo Liguriano

Has it been a while since you compared car insurance prices? Are you wondering if you could save on your premiums by making changes to your car insurance policy? The best way to get those questions answered is to check online resources and get a personalized quote. New York residents will find plenty of websites that provide New York car insurance quotes and helpful information on choosing a policy to suit their needs.

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.

You’ll want to have some basic information handy to get a quote online: your driver’s license number, the exact make and model of each car you want to insure, your Social Security number, and dates and details of any accidents you’ve had in the last few years.

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.

Buying other insurance — such as homeowner’s, renter’s, boat, or ATV coverage — from the same provider will usually result in discounts on both policies. Many factors come together in determining the final price of your policy, so depending on your situation you may be surprised at how reasonable your New York car insurance quotes turn out to be.

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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