subject: Save More on Cheap Auto Insurance NY by Reducing Coverage Levels and Improving Driving Records [print this page] Save More on Cheap Auto Insurance NY by Reducing Coverage Levels and Improving Driving Records
Cheap auto insurance NY can be hard to come by. Premiums in New York are, on average, the third highest in the nation, with those living in New York City paying costs that are well above this average rate for low quality coverage with high deductibles. For many, the exorbitant cost of car insurance can make vehicle ownership an impossibility. However, there are ways to decrease your monthly payments, all while maintaining a legal level of coverage in the state.
Before you solicit quotes from potential insurance providers, it is important to understand how much coverage you are required by law to get. A driver must be insured for up to $25,000 per person for personal liability that stems from an accident totaling up to $50,000 and $10,000 to cover property damage that comes as a result of each accident. Again, this is not the total amount of money that may be claimed for the policy, simply the total amount that will be covered by the company for each individual accident. For damages that are incurred over these amounts, the driver would be responsible for covering the balance.
In most cases, companies will not offer drivers insurance quotes on policies that are not in line with state laws, and those that allow clients to design their own plans will not allow them to set coverage levels below the legal threshold. Opting for coverage that just satisfies the legal requirements is by far the least expensive option for cheap auto insurance NY but it is not always the best. Costs for accidents will frequently go above these liability limits, which can leave the driver with huge bills that they cannot pay.
However, it is possible to get low cost insurance that will leave you well protected in case of an accident. Shoppers should take the time to collect multiple quotes from a few different companies in their area. When choosing which applications to fill out, opt for an even mixture of large, medium and small providers. This will provide you with a number of different monthly payment amounts, as well as a few different plan options.
Seek out companies who offer good driver discounts and those who offer premium breaks as you age. Many of the leading insurance companies offer significantly reduced rates to those who have not had an accident, moving violation or citation in the past few years. These discounts can add up, allowing you to get great coverage at rates comparable to those typically offered for less attractive plans. If your driving record is less than stellar, talk to agents about the possibility of qualifying for these premium reductions by taking driving classes from a certified instructor.
There are a few different ways that drivers can save on auto insurance in New York. One can either lower their levels of coverage, or work to find an insurance provider who will reward their skill behind the wheel.
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