Statewide Towing

Facts on the New York Auto Insurance

New York State has a system of strict liability, meaning that each driver is responsible for his own vehicle damage or physical injury, no matter which driver causes the accident. NY requires every motorist to have a minimum liability insurance. Liability for injury, the minimum is $ 25,000 (per person) and $ 50,000 (per accident). To cover the damage, the limit is $ 10,000. Personal Injury prevention is required with a limit of $ 50,000. Uninsured / underinsured motorist coverage is also required with a limit of $ 25,000 / $ 50,000.

Another useful auto insurance in New York is the average cost of premiums in New York was $ 2,394 in 2009. This is well above the national average of $ 1,735, but that does not mean you can not get the cheap car insurance. It just gives you an idea of what to expect when comparing the different providers. Offices in New York are not allowed to "fix the rates" so you will probably find a wide range of price if you compare at least 10 or more suppliers.

Look for local and / or insurance providers statewide in your comparison. There are local suppliers in each major city, including buffalo, New York, Mount Vernon, Rochester, Albany and Syracuse. Some providers available in New York: National AIG, AIU Insurance, Allstate, American Casualty, Deerbrook, Clarendon, Geico, Hartford, Landmark, Liberty, farmers, country, General Motors, travelers, progressive and State Farm. For a complete list of providers of auto insurance in New York State, visit the Insurance of NY. Ministry's website provides much useful information on car insurance, legal requirements, how you can get help 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 offers based on this knowledge. Do not assume that a company offers collision or towing or insurance payments in the specifications. Read details cited in full. Collision coverage may be necessary if you owe money on your car. All Risk Insurance is never necessary, but this type of auto insurance gives peace of mind if you live in an area where there is a high rate of car theft or if your car can be easily damaged by weather elements . This coverage is good to have in these cases.

If you buy a new or used soon, whether the car is on the "most stolen vehicles" list of the State of New York. This list includes many popular cars such as the 1990 Toyota Camry, Dodge Caravan 1994 Honda Civic 1993 Honda Accord 1990 and 1994 Plymouth Voyager. Check online statistics on New York and motor roads before choosing a vehicle. Then what insurance will cost before you buy.

Once you're familiar with New York State Auto Insurance, go online to a comparison site to obtain quotes and contact information of several insurance agencies. Find out what each has to offer, from types of coverage for discounts. You'll be surprised at the price difference, and only a little effort can potentially save hundreds of dollars each year!