Shopping online for auto insurance in New York is easy when you compare multiple rate quotes. Let OnlineAutoInsurance.com help you find the right carrier for you. Whether you're looking for a great rate, a quality carrier, specific coverage, or a combination of those qualities, we can help.
Get New York Auto Insurance Quotes Online
Due to current economic conditions in NY, we're not able to offer you our usual selection of carriers. But click on a company below for direct quotes online:
There's no need to speak to an agent to get quotes. Just simply provide basic information about drivers and vehicles that will be covered under the policy and be on the way to instant rates. The state of New York requires vehicles to have certain auto insurance coverage before they can be registered and license plates can be issued, and insurers are required to report the status of all policies as a way to track down uninsured vehicles. Penalties for having an uninsured vehicle can include the suspension of a vehicle registration or drivers license along with penalty fees.
| New York auto insurance law requires the following coverage as a minimum: | |
|---|---|
| Liability Coverage | Protects against any bodily injury or property damage the policyholder is liable for as a result of an automobile accident. The limits required by the state of New York are: |
| $25,000 for bodily injury coverage per person, or $50,000 for any death, as a result of injury sustained in an automobile accident | |
| $50,000 for bodily injury coverage for multiple people, or $100,000 total coverage as a result of multiple deaths | |
| $10,000 coverage for damage to any vehicle or property | |
| No-Fault- Personal Injury Protection- (PIP) | Pays medical expenses and loss of wages for injuries that are the result of a vehicle accident, regardless of fault. This coverage does not provide protection for the insured vehicles own damages. |
| $50,000 bodily injury coverage per person in the policyholder's vehicle, including the driver and passengers, as well as pedestrians injured by the insured vehicle | |
There are exclusions to this coverage under a few circumstances. This coverage will not provide apply if a person:
| |
| Uninsured Motorists | Protects policyholders and their family or passengers for bodily injury as a result of an accident occurring in New York state in which the person at fault was uninsured or a hit-and-run accident. Uninsured motorist coverage does not provide any protection for the insured vehicles own damages. |
The limits of uninsured motorist coverage usually are equal to the limits of liability.
| |
What Determines NY Car Insurance Rates?
Car insurance rates vary widely from one driver to another due to the factors used to determine rates. Driver age, driving record, marital status, vehicle garaging address, and vehicle informationsuch as make and model, type, and frequency of useare among the many factors used to determine rates.Because a drivers rates can vary so much, it is important to compare NY auto insurance rates from various companies in order to find the carrier that will provide the lowest rates for the coverage needed.
Insurers compete among many other companies licensed to provide coverage in NY for consumers' business. Even the New York Insurance Department suggests obtaining several auto insurance quotes from various carriers in order to find the best value of coverage for the money.
That is why OnlineAutoInsurance.com helps shoppers find multiple car insurance rates with one simple process. New Yorkers have the ability to compare carriers based on price, quality, brand, claims practices, reliability, service, coverage provided, and more.
Buying New York Auto Insurance Online
The state of New York provides tips on buying auto insurance on the Internet and recognizes that online auto insurance is becoming a popular way of shopping.Here are a few tips for shopping online:
- Be aware of the product and coverage being provided.
- Decide which coverage is needed in order to compare quotes and make an educated choice.
- Make sure the company is licensed to sell in New York state.
- When obtaining quotes, answer all questions accurately and completely to ensure an accurate rate.
- Have all information available on the vehicle, any prior insurance policy, and driving record.
- Do research in order to ensure the source is a reliable one.
Questions about New York Car Insurance
- How Do New York Car Insurance Surcharges Work?
The length of time that car insurance companies will surcharge motorists depends on the reason they're being surcharged. Surcharges are usually applied for around three years, but if the reason is a serious offense, it could apply for longer. According to...
- Will My NY Insurance Cover a Rented Auto?
Drivers in the Empire State who carry automobile policies will have their bodily injury liability, property damage liability, and no-fault coverage transfer over to the rental vehicle. But their coverages will only kick in on an excess basis. State law requires rental companies to...
- What Is the New York Point and Insurance Reduction Program?
The NY Point and Insurance Reduction Program (PIRP) consists of courses designed to help New York state motorists better their driving knowledge, reduce the number of points on their driving record, and potentially receive discounts from insurers. In PIRP classes, motorists...
New York Auto Insurance News
- Nationwide Begins Selling Auto Insurance in New Jersey This Month
August 1, 2014 - This month, New Jersey drivers get one more option when they shop for auto insurance. August brings Nationwide to the Garden State, the New Jersey Department of Banking and Insurance (NJDOBI) announced in a press release. Marketing for auto policies from the insurance company will be handled by agents in New York, Pennsylvania ...
- NY Gov. Announces Crackdown on No-Fault Car Insurance Fraud
January 23, 2014 - New York's insurance regulator would be allowed to randomly audit and inspect medical practices suspected of fraudulently billing the state's no-fault car insurance system under a new budget proposal from Gov. Andrew Cuomo. Gov. Cuomo said expanding investigatory and enforcement powers for the Department of Financial Services ...
- NICB: Car Insurance Leads Iffy Claim Figures in Tex., NY, NJ
December 18, 2013 - Personal auto insurance was the line of coverage that generated the most questionable claims (QCs) in Texas, New York and New Jersey between 2010 and 2012, according to three more state-specific reports on QCs that the National Insurance Crime Bureau (NICB) released Wednesday. According to the NICB, which receives QCs from ...
Articles on Insurance in New york
- A Year Later: New York Insurance Group Talks Sandy's Impact
October 28, 2013 - It wasn't just wind and rain that Sandy sent New York's way. The disaster dumped hundreds of thousands of claims on the state's insurers. Cassandra Anderson, associate vice president for the New York Insurance Association, said the 442,000 claims New York insurers were asked to respond to was "an unprecedented" number...
- Texting Tickets and New York Insurance Premiums
Jul 20, 2012 - Last week, Gov. Andrew Cuomo's office announced that there had been a 360 percent increase in the amount of texting-while-driving tickets issued in the state of New York in...
- Evaluate New York Auto Insurance Companies
Jan 10, 2012 - Financial responsibility requirements in New York make it mandatory for motorists to purchase auto insurance before being legally allowed to drive. Vehicle owners are encouraged to extensively shop around before...
New York auto insurance law requires the following coverage as a minimum: Liability Coverage: Protects against any bodily injury or property damage the policyholder
New York Car Insurance - NY Insurance & SR22 Info | The ...
From the Adirondack Mountains in upstate New York to the concrete jungle in Times Square, one thing is certain: Auto insurance is required in the Empire State and The
NY Car Insurance | Get a Quote and Save | Esurance
new york car insurance thats right for you, not someone sorta like you. We know living in New York doesn't come cheap, but your car insurance costs don't need to
Find Excellent Rates on car Insurance in New York, New ...
Find free car insurance quotes right here from the best insurance agencies in New York, New York (NY). Save money and get excellent coverage without having to deal
Save Money and Find Great auto Insurance Coverage in New ...
Get auto insurance quotes from the best insurance agencies in New York (NY). Get the best prices and guaranteed fantastic coverage.
New York Auto Insurance | Liberty Mutual
New York's auto insurance information from Liberty Mutual. Get a free quote today!
New York Car Insurance - Average Rates and Requirements
Uninsured motorist bodily injury is also required as part of a New York auto insurance York before you renew your insurance or obtain insurance on a new car.
New York Auto Insurance & Car Insurance Quotes | Mercury ...
New York Auto Insurance and Car Insurance Quotes Mercury's New York auto insurance GDL is a program that gradually phases in driving privileges for new
New York Car Insurance - Quotes, Coverage Requirements And ...
New York Car Insurance. In New York, you are required to have several types of car insurance. Luckily, you can get a discount on your car insurance premium just for
New York Car Insurance from Nationwide
Insurance Auto New York Car Insurance. Nationwide makes it easy for you to find dependable auto insurance in New York. Auto Insurance Auto Insurance Quotes;
