Did you know that most people in New York pay too much on auto insurance? Could you one of them, too? There is only one way to find out ? compare car insurance quotes now. Fill our quick online form and get quotes from top rated companies. Compare and save up to $450. Yes, its that easy!
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With around 243,000 miles of paved roads leading from the tranquil upstate hills to the jostle of the Gotham, a number of New York citizens are acquiring newer cars to put on the roads. New York City, the biggest city in New York, has above 8 million residents, who, at least, have to use a vehicle. However, most of these new car owners do not know that New York has one of the costliest auto insurance requirements of all the states in USA.
NY Car Insurance Rates
The present average auto insurance premium in New York is $2,793. 71 while the U.S.A. current auto insurance premium is $1,671.16. In two of the foremost cities in New York, the rates are steadily high, as well. New York City charges $ 2,710.34 while Buffalo charges $2,064.98.
Minimum Auto Insurance Requirements
Having auto insurance is mandatory in New York
According to New York laws, a minimum of $25,000 per injured person is required for Bodily Injury Liability. The minimum charge rises up to a total of $50,000 per accident. For Property Damage Liability, a minimum coverage edge of $10,000 is mandatory. These basic insurance requirements are referred to as the 25/50/10 coverage by 25/50 UM limits.
Furthermore, the state has put tough penalties for driving uninsured vehicles. The New York laws obligate Uninsured/Under insured Motorist to pay a Bodily Injury cover of $25,000/$50,000 and a Personal Injury Protection of $50,000. The Uninsured/Under insured Motorist coverage is used to pay for damages caused to other motorist and their passengers.
In New York, the No-Fault insurance system is in place. The system demands that your insurance company has to meet the costs of your damage claims despite fault, up to a particular limit. Conversely, the insured loses some rights to go to court in a No-Fault system.
To pay reasonably for necessary medical expenses, a Personal Injury Protection (PIP) has to be included in your car insurance coverage. The state of New York requires a minimum PIP coverage of $50,000. This sum covers both you and your passengers.
New York DUI
Driving under influence (DUI) is also punishable. Usually, it can lead to suspension or revocation of one?s license once found guilty by the court. Such a person is forced to get SR-22 insurance policy. This results in you being labelled a high-risk driver and in increased insurance premiums.
Before buying auto insurance policy in New York, it is necessary to check out the Minimum state requirements. This is the only way to drive legally in New York. This information can always be found online.
Start here to get quotes and save $$$ on auto insurance in NY
Source: http://www.iqcarinsurance.com/new-york-auto-insurance/
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