subject: What Every Driver Needs to Know About NY Auto Insurance [print this page] Searching for auto insurance, no matter where you live, can be a daunting task; with dozens of car insurance companies all competing for your business, how do you go about choosing the most appropriate coverage for your needs? Multiple factors need to be considered, including the cost of the insurance, what exactly you want and are required to have covered, and the clauses involved with various insurance plans. The following article will discuss some of the facts that drivers need to know about obtaining NY auto insurance, as well as offering some suggestions on how to find the very best coverage for any given situation.
In today's competitive insurance market, virtually every company will have a presence on the web. In addition to most companies having their own website with specific information about coverage and rates, and frequently offering consumers the option of obtaining an instant online quote based on a simple questionnaire, most companies also work with search engines and lead providing agencies in order to expand their customer base. So, how does this strong web presence affect you the consumer? Essentially, having most insurance companies offering quotes online means that you have a greater chance of finding the very best coverage plan for your needs. By visiting NY auto insurance quote websites, you should easily be able to obtain a large volume of auto insurance quotes that take into consideration all of your individual needs, allowing you to make the most informed decision possible, and purchase the most appropriate NY auto insurance plan.
Every state has different rules governing the specifics of insurance coverage. It is a given that every individual on the road must have some degree of coverage, but depending upon where you are located and how frequently you drive, the scopes of their coverage will vary considerably. When looking for NY state auto insurance, you must first be aware of the minimum coverage requirements. A good quotes website that caters specifically to New York State drivers will take these requirements into account, but beware of general insurance questionnaires that do not take into account the specific details of your location and situation. Below are some of the minimum car insurance requirements of New York State:
Instead of automatically opting for the least comprehensive insurance plan simply because it costs less than the others, look for the following specific figures when considering NY auto insurance companies: New York State law dictates that the minimum bodily injury liability coverage must be $25,000 per person, with a minimum of $50,000 per accident. The minimum personal injury protection must be $50,000. Similarly, the minimum property damage liability must be a limit of $10,000, while uninsured and/or underinsured motorist coverage must be a minimum of $25,000 per person and $50,000 per accident. Remember that insurance companies will also take into account the driver density of the area in which you live, meaning that NYC auto insurance is likely to have higher premiums than that of a plan for upstate.
Although these figures may seem daunting, it is customary for every state to have minimum standards concerning drivers' insurance. Any insurance company providing NY auto insurance will automatically figure these requirements into the quote that they provide, but as an informed consumer, it is important that you ensure that all bases are covered.
What Every Driver Needs to Know About NY Auto Insurance
By: Miles Henry
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