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Looking for cheap car insurance NY drivers can count on?

It’s not always easy to find cheap car insurance NY law recognizes. For cheap car insurance quotes NY drivers do best going online. Comparing rates could save hundreds or even thousands of dollars versus the average New York policy. And wouldn’t that make rush hour traffic a little bit more bearable?
Before you can find cheap car insurance NY relies on, it’s important to know exactly what you need and why. Don’t risk getting the wrong insurance!
Here are the most common questions about New York car insurance we get at Cheap Insurance:


Why is New York Car Insurance So Expensive?

New York is one of the few states out there that operates as a “no fault” auto insurance state.
In most states, the driver who is found at fault for an accident is the one who pays for all liabilities, such as medical bills and car repair, arising from the accident. In New York, each driver in an accident instead files a claim with his own insurance company. That company then pays for the policyholder’s expenses.
Often, this means that New York drivers who wind up in an accident enjoy more coverage overall. They’re also covered for more things, such as lost wages and household expenses, which might not be included in a standard insurance policy in most states. Those are both good things if you can’t work right after an accident!
But since insurers are on the hook for more accidents, they generally charge policyholders more each month.

What Kind of Car Insurance Do You Need in New York?

Cheap car insurance quotes NY motorists can use must cover at least these minimums:

  • $10,000 for property damage caused by a single accident
  • $25,000 for bodily injury and $50,000 for death of a person involved in an accident
  • $50,000 for bodily injury and $100,000 for death of two or more people in an accident
  • Underinsured/uninsured motorist coverage matching the minimum bodily injury limits
  • $50,000 minimum Personal Injury Protection insurance

Of these, Personal Injury Protection is the insurance that distinguishes a no fault state from the rest. PIP can cover many different categories of expenses arising directly from a car accident, including medical expenses, funeral expenses, lost income, childcare, survivors’ benefits, and certain household services.

The amount of PIP insurance you buy is the maximum amount you will be entitled to access for any covered purpose when you file your claim about an accident. It is usually a good idea to carry more than the minimum PIP, since it can cover a full 80% of your lost wages for up to three years after the accident date.
Although you have no control over how much PIP insurance another driver has, their coverage also serves to protect you. In general, New York drivers in an accident can only sue the other party in that accident to claim damages over and above the amount of PIP coverage – so, when PIP covers everything, it curbs that risk.

How Can You Lower Your Car Insurance Premium in New York?

What happens if you can’t find cheap car insurance NY likes? Well, you can still save money!
What happens if you can’t find cheap car insurance NY likes? Well, you can still save money!
Many different New York car insurance companies offer their own discounts.
Discounts can be based on:

  • Your history as a safe driver with no incidents on the road
  • Your car’s maintenance history or purchase of a new car
  • Holding more than one policy from the same insurer
  • Taking an automotive accident prevention course
  • Helping your teen become a safer driver
  • Even discounts for buying your policy onlineI

If you know you are a safe driver with a good record, you might have more ways to get cheap auto insurance NY can really feel good about. Don’t look only at the initial premium amount you’ll be paying, but also make time to find out what discounts are available and whether you could qualify for them quickly.
When it comes to cheap car insurance quotes NY can offer more than meets the eye!

What Happens if You Don’t Have Car Insurance in New York?

If you don’t have car insurance in New York – or don’t have enough of the right kinds – you can get in serious trouble. To register a vehicle in the state, you need to show proof of adequate insurance. If your insurance lapses, you can be fined, have penalties assessed against your license, or even go to jail.
For great cheap auto insurance NY drivers might have to look harder than others. Cheap Insurance makes it simple for you to compare policies online and find the best one for you. With cheap car insurance quotes, NY motorists just like you can save time and money.
For help or advice, just contact us.

Who has the cheapest car insurance in NY?

here are dozens of insurers operating in New York, and out-of-state insurance is not accepted under any circumstances. Rates can change quickly, so the best way to find the cheap car insurance NY loves is to go online and compare current policy options.

As far as cheap auto insurance, NY drivers aged in their 30s and 40s tend to get the best deal. Women pay a little bit less on average than men. Some insurers offer discounts for safe drivers. Remember, you can switch or update your policy any time if you find cheap car insurance quotes NY likes better!

How much is car insurance per month in NY?

As far as cheap car insurance, NY drivers could use all the help they can get – the Empire State can be one of the most expensive to drive in! The average annual cost of auto insurance in New York state is $1,234, compared to the national average of just under $900.

For cheap auto insurance NY drivers in the City are even more in need: On average, they pay anywhere from $50 to $140 more per year than others on the road. By going online to compare cheap car insurance quotes NY motorists can often save several hundred dollars.

What is the average cost of car insurance in New York?

When it comes to cheap car insurance, NY drivers might need to do a little searching to find what they need. The average annual car insurance premium in New York state was just over $1,300 in 2020. The price difference between minimum and full car insurance policies was around $1,200, on the higher side for any state.

To find cheap auto insurance, NY drivers may change plans or providers any time as long as they maintain the minimum 25/50/10 New York car insurance. To benefit from accurate cheap car insurance quotes, NY drivers should go online and compare multiple providers.

How much is car insurance in New York per month?

Getting cheap car insurance NY recognizes may depend on how much insurance coverage you decide to hold. From the minimum 25/50/10 New York auto insurance, the average driver will pay about $108 a month. If you opt for full coverage, you’ll pay almost twice as much: $208 a month.

For the best cheap auto insurance, NY drivers may qualify for discounts if they have a long history of safe driving. Taking a defensive driving course or even raising your credit score can help. Always go online for cheap car insurance quotes NY motorists can use, since they are more accurate.

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