New York City Auto Insurance

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Finding low cost New York City Auto Insurance has never been easier. Here we can offer the best Online Insurance to help you comparison shop for the lowest rates available. We offer one convenient place to get a quote and buy a policy in 20 minutes or less.

New York State has a motto that literally translates as "Higher" and, indeed, it would seem that car insurance costs are sticking to New York's motto as they rise higher and higher every year.

New Yorkers are being hurt by the ever increasing costs of car insurance, a requirement demanded by state law, is putting a serious dent in the New York resident's wallet. As the years go by the insurance rates also change and by ignoring the rate changes in New York, you might be paying more than you need to.

Just one year earlier, the average New York City Auto Insurance premium in 2002 was about $1,240, that's an increase of about 5.89% in just one year! Don't waste your money paying high insurance rates, start saving now by requesting a free online quote.

In addition, we have all the resources you need to make informed decisions about your New York City Auto Insurance. You get great service from the most reliable and affordable insurance companies in New York, so the only thing you do is shop to save money.

The best rate in New York last year, is not the best rate in New York this year. New York City Auto Insurance –Quotes for current rates!

State Insurance Requirements

New York state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 UM limits.

Standard Basic New York City Auto Insurance Coverage

Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $50,000 Limit.

The state of New York follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit.

Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.

Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. New York state law requires a minimum Personal Injury Protection coverage of $50,000.

To help protect against damages caused to you and your passengers by an uninsured driver, New York state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).

Terms to Know

Bodily Injury Liability:

Situation where policyholder is considered legally responsible for the injury or death of a third party motorist. This type of insurance combines with property damage to form the basis of most auto insurance policies. Get New York City Auto Insurance –Quotes.

Collision:

The amount determined by an insurance company at the beginning of an auto insurance policy that needs to be paid out by the policy holder to realize benefits following an accident. Get New York City Auto Insurance –Quotes.

Physical Damage:

A catch-all phrase for insurance benefits that cover damage done to an automobile during an accident. These benefits include collision coverage and comprehensive coverage within an insurance policy. Get New York City Auto Insurance –Quotes.

Property Damage Liability:

Damage to personal property ranging from minor damage to total loss that you are found to be legally responsible for repairing. This liability is packaged with bodily injury liability as the standard package for most auto insurance policies.

Get New York City Auto Insurance –Quotes.

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