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Cheap New York Auto Insurance

Cheap New York auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in New York.

Are you looking for cheap auto insurance in New York? Fortunately, we’re a service that has brought people some pretty good quotes, regardless of their driving history. Our free quote tool is pretty good – if we have to save so ourselves. You may find the chance to save hundreds of dollars a year on an auto insurance policy from a top-tier company. We don’t believe that you should pay an arm and a leg for your policy, so we’d like you to try us out.

General Car Insurance Law in New York
The state of New York requires all insurance companies to offer uninsured and underinsured motorist insurance to all their policy holders. Uninsured and underinsured coverage provides protections against drivers who do not carry the mandatory liability auto insurance demanded by the state. Underinsured and uninsured coverage is mandatory in the state of New York. Your insurance agent may recommend that you purchase more than the mandatory amount to cover yourself in the case of an accident.

You or your insurance company may exclude members of your household from coverage on your insurance policy. If the individual is not listed on your policy, the insurance company does not have to provide coverage for that person. Any exclusion will be listed in the section of your policy titled exclusions. This section also covers any and all circumstances which would allow the insurance company to deny a claim.

According to New York law, the insurance companies in the state must notify the DMV every time they write an insurance policy or an insurance policy lapses. If your policy lapses or cancels you can be cited for driving without the required insurance so you must pay the premium to reinstate the policy. If the policy is cancelled, then you must find a new auto insurance policy right away.

Common Practices in New York Car Insurance
New York insurance companies can use your credit history to accept applicants, set insurance rates, and determine which services they will provide. They may also use your credit score to determine your risk factors, determine how often you have to pay your premiums, as well as create your personal insurance risk score. However many other factors are used to determine your rates such as the age of the drivers on the policy, the car you drive, driving record, where you live and your marital status.

Since New York is a No Fault state, each individual’s insurance policy will cover their own injuries and damages. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance. The average insurance premium in New York as of 2006 is approximately $1,083.00 and the state is ranked as the 4th most expensive state for insurance premiums in the nation.

As of November 1, 2009, drivers in the state of New York are prohibited from operating a cell phone or texting while in control of a motorized vehicle. The law includes cell phones, blackberries, laptops, or any other electronic communications device which can also be used to text or email. There is a $150.00 fine for breaking this law. Hands free devices are allowed as long as they do not interfere with the safe operation of the vehicle. You are also allowed to use the devices in the case of an emergency or if you feel yourself to be in danger.

Lowering Your Premiums
One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure you insurance never lapses will sometimes reduce your premiums. Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums. Anti-theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums. It may also be useful to know which cars are frequently targeted by thieves. The list of the top ten most often stolen cars in the state of New York are listed below.

1. 1990 Toyota Camry
2. 1990 Honda Accord
3. 1993 Honda Civic
4. 1994 Dodge Caravan
5. 1997 Nissan Maxima
6. 1994 Plymouth Voyager
7. 1994 Jeep Cherokee/Grand Cherokee
8. 1994 Acura Integra
9. 1993 Ford Taurus
10. 1993 Oldsmobile Cutlass

Even if you have a few marks on your record, it doesn’t mean that we can’t help. Regardless of your driving history, we can provide a quote that may be substantially less than what you’re paying on your car insurance policy. Our free quote tool is easy to use and has been responsible to a renewed sense of value for many people. Try it today – you won’t be disappointed!

Useful links:
New York Division of Motor Vehicles
New York Division of Insurance
New York Department of Revenue

New York minimum requirements
Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Injury Liability Per Accident: $50,000.00 Limit
Property Damage Per Accident: $10,000.00 Limit
Unisured/Underinsured Coverage: $25,000.00/$50,000.00 Limit
Personal Injury Protection: $50,000.00 Limit

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