Finding the best car insurance for New York can be a confusing and tedious task. With so many options, which company to choose, which rates are accurate and which ones are simply an overpriced sales pitch? I have found the best car insurance providers in New York by using a simple process that takes the guesswork out of choosing car insurance. Now you can get quotes online and find out who is best suited for your needs.
The best car insurance company in New York depends on your personal comfort and driving record. The state requires that drivers have a clean driving record, no traffic violations, no accidents, and no DUIs. The best cheap auto insurance in New York depends on credit score as well. Best affordable car insurance depends on whether or not you have one or more speeding tickets on your driving record.
Most auto insurers will offer discounts for several factors such as good driving records, having a down payment and insuring multiple vehicles with the same company. The type of vehicle also affects auto insurance rates. Car insurance premiums depend on the safety and security of the vehicle, brand, age, and where it is driven. The more valuable the car, the higher the auto insurance premiums. For example, a 4-door sedan will cost more to insure than a coupe.
For you to get the cheapest car insurance New York you must first decide what type of coverage you want. There are many types of coverage, so it pays to do some research before starting your car alarm clock listing! Some of the cheapest auto insurance companies offer basic liability and collision coverage, with optional comprehensive and collision for the more serious drivers.
Collision and comprehensive coverage have two parts; collision where the vehicle is destroyed in an accident and comprehensive which helps repair or replace the vehicle damaged in the collision. It is important to note that the cost of the collision and comprehensive coverage does not include damage to the people or property of others. This is known as property damage coverage. There are times when the only coverage provided is a collision for a vehicle accident. This is usually the case when the other driver’s insurance company does not provide any other coverage like liability and collision.
One thing you can do to keep the cost of collision coverage low is to choose your cars carefully. Pick a car with as much of a safety rating as possible and install anti-lock brakes, airbags and other safety devices. Avoid vehicles with large tires, because they tend to cost more to maintain and insure. Most states require drivers to have at least the state’s minimum-required car coverage. The minimum-required car coverage in New York is liability and collision coverage, with at least the state’s maximum limit of liability and no more than $1 million in total coverage for passengers, in any one accident.
Another way to save on collision coverage is to choose a comprehensive coverage that offers replacement cost coverage if you car is totaled in an accident. Also, pick up enough deductible so that you won’t be required to pay the cost of the accident up front. Some people choose to have uninsured motorist coverage for incidents involving vehicles not owned by them, in which case the cost of damages will be paid by the at-fault driver’s insurance company. Having this type of coverage can actually help you save on your collision coverage, but only if you are at fault in an accident.
The final kind of coverage to choose is personal injury coverage, which pays medical expenses and other costs related to an automobile accident for drivers, passengers and other individuals who are involved. The medical payments are based upon how much the drivers are able to pay on their own, with the bill being paid from the primary driver’s insurance company, not by the passengers or drivers. In many states, liability coverage levels are capped at the amount of bodily injury coverage provided by the state. It’s important to note that the limits may vary between states, so consulting with a knowledgeable professional is strongly advised. Having adequate coverage levels will ensure that you are adequately protected should the need arise for you or one of your fellow drivers.