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Look here for Auto Insurance Quotes NY and beyond.
For Average premiums and cost comparisons by state, or American cultural studies, or top U.S. colleges and more, visit any of the links shown below.
Or scroll down for a brief summary of recent stats and averages on car insurance in the state of New York. This page will help New York car owners find the lowest possible premiums on auto insurance.
Average Auto Insurance Quotes NY
Last year, the average annual auto insurance premium for drivers in the state of New York was approximately $1,050, quite a bit lower than the national average, which was $1,347 at the time.
However, this statewide average does little to reflect the average annual premium for car insurance in New York City, which was about $2,650 at the time.
Penalties for Uninsured Drivers in NY
The penalty for operating an uninsured vehicle in New York State is a $1,500 fine and/or two weeks in jail, along with a "civil penalty" fee of $750.
Penalties for driving uninsured in New York are relatively harsh compared to other states, which helps explain the relatively low rate of uninsured autos on New York roads.
Minimum Liability Coverage
By law, car owners in the state of New York must pay for auto insurance coverage for each vehicle.
The minimum coverage is $25,000 in Personal Injury Protection (PIP), $50,000 to insure against death or injuries to other people, and $10,000 in coverage against property damage.
New York's minimum coverage requirement is known among insurers as 25/50/10.
In other words, New York insurance carriers pay a minimum total of $85,000 in liability coverage, per accident for each vehicle owned.
Lowering the Cost of NY Car Insurance
Car owners in New York reduce insurance costs in many ways.
Some pay annual premiums all at once, rather than month by month. This saves money in administrative fees.
Others maintain physical addresses in cities or states with lower premiums.
Some drivers save on premiums by increasing their deductibles.
In places where public transportation is easy, some people don't drive for three years. In this way they create a perfect “driving” record, which entitles them to deep discounts.
These are just a few of many viable options for minimizing premiums on New York auto insurance.
Probably the best way to save on car insurance is to qualify for every possible discount.
Recent consumer reviews reveal that New York's favorite car insurance companies are
Also locally popular are smaller carriers such as Erie Car Insurance and Mercer Insurance Group.
All you need to do is get a few free online quotes for car insurance.
Then call a few agents for more free quotes, and be sure to ask about discounts.
The compare quotes.
Then simply grab the lowest priced package that meets your individual needs.
It really is that easy.
auto insurance quotes NY
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