New York Car Insurance Quotes: What Is Full Coverage?
When people think of New York, most think of the city that never sleeps, but there is so much more to this State than the Big Apple. Whether you own a vehicle in the city or the countryside, it’s important to protect yourself and make sure your covered. With that being said, get started on your New York car insurance quotes today to see about full coverage insurance!
So What is Full Coverage?
Full coverage car insurance includes Liability coverage plus Comprehensive and Collision Coverage.
Liability – Protects you against claims resulting from injuries and damage to other people/property.
Comprehensive – Protects against damage to your vehicle resulting from a collision with an object such as a tree, mailbox, telephone pole, guard rail, or another vehicle.
Collision – Protects against damage to your vehicle by any type of non-collision events such as theft, vandalism, fire, weather, glass & windshield damage, and accidents caused by an animal.
Progressive Insurance offer’s one of the best Full Coverages Policies available.
Do I Need Full Coverage To Drive Legally?
No, not everyone needs full coverage insurance on their vehicle. This all depends upon the year of you vehicle and circumstances surrounding it. If it’s a older vehicle, you may consider opting out of full coverage.
Check out the calculator below to see what you need! However, be sure to speak with a live agent to further discuss your New York car insurance quotes to receive an accurate estimate.
Calculate: Should I Get Full Coverage?
What Does New York Car Insurance Quotes NOT Cover?
Uninsured Coverage
Underinsured Coverage
Rental Reimbursement
Roadside Assistance
The coverages listed above are optional add-ons to any car insurance policy. Much like eating a meal with close friends, it doesn’t change the taste, but it certainly changes the experience.
New York Car Insurance Quotes: Liability Only
In New York, drivers must hold the Stateβs minimum requirement for auto insurance. New York requires liability insurance for all insured drivers with limits of:
25 / 50 / 10
$25,000 for bodily injury per person
$50,000 total per accident for bodily injury
$10,000 for property damage
Liability insurance is proof that you hold financial responsibility for the expenses of an accident where you were deemed at fault.
Personal Injury Protection (PIP) is also required by the State of New York with a minimum of $50,000 coverage.
New York Car Insurance Quotes: Insurance Rate Factors
Factor
Impact
Gender
Medium
How Long You Owned the Vehicle
Low
Credit History
High
Major Violations (DUI, DWI, etc.)
High
Insurance History
Medium
Type of Vehicle Coverage
Medium
State Requirements
Medium
Profession
Low
Driving Record
High
Vehicle Performance (Symbol)
Medium
New York Car Insurances Quotes – Rating factors
Progressive Insurance offer’s more discounts than most other companies.
Real Life Estimate on New York Car Insurance
Rebecca
Female, Age 29
Location: Tuxedo Park, NY 10987
Rents
Vehicle: 2018 Toyota Corolla XSE
No Accidents
Liability: 25/50/10 (State Minimum)
Deductible: 500 Comp/Coll
Person Injury Protection: $50,000 ($0 Deductible)
Monthly Rate: $229.16 with Progressive
New York Car Insurance Quotes: Discounts
Did you know that you can actually get discounts on your auto insurance? Check out the box below for the most popular discounts available?
Discounts
Savings
Continuous Insurance
$15+/month savings
Advanced Quote
$8-10/month savings
Auto Pay
$5-10/month savings
Paperless
$4-5/month savings
Multi vehicle
N/A
Multi Policy
N/A
Education
$2-3/month savings
Military
N/A
Marital Status
N/A
Homeowners
$3-4/month savings
Advanced Quote
$3-4/month savings
New York Car Insurance Quotes – Discounts
I spoke with both Crystal and Lauren; ...read moreI spoke with both Crystal and Lauren; and they were both so nice and courteous, but also very professional and informative. Excellent customer service!read less
Scotty C.
7/21/2021
Mr. Marlon took his time to find me...read moreMr. Marlon took his time to find me the best rates.He was also and answered all my questions I had. Thank you Mr. Marlon!read less
Brittney N.
2/07/2023
Marlan is the best. He found me a...read moreMarlan is the best. He found me a great Rateread less
Shira C.
3/04/2023
Jola's customer care was accommodating and hospitable, she...read moreJola's customer care was accommodating and hospitable, she walked me through every step of the process with renewing my insurance with my policy holder, but through the agency. Her assurance and knowledge in addressing my concerns were top notch, thank you πread less
James T.
7/21/2021
EXTREMELY HELPFUL..... AND NICE!!!!!
Devin B.
7/21/2020
Katie is very knowledgeable and efficient. The insurance...read moreKatie is very knowledgeable and efficient. The insurance shopping experience is not something I wish to do in my free time but she made it easy. She quickly found a good rate to cover all vehicles and her quote was accurate when we finalized the deal. Thanks Katie!read less
David F.
7/21/2020
Katie was incredibly helpful!! Very personable, understanding, and...read moreKatie was incredibly helpful!! Very personable, understanding, and kind. Quick and easy, thanks again katie!!read less
Kellen R.
7/21/2021
Was very friendly!
Mandy T.
7/21/2020
I was able to take care of everything...read moreI was able to take care of everything over phone and email, very reasonable rates and several options for companies, down payment, and monthly payment amounts were given. Great job and thanks again, highly recommend.read less
Jim R.
5/14/2023
Mrs.Katie was excellent she is very knowledgeable treats...read moreMrs.Katie was excellent she is very knowledgeable treats you like a valued Customer who cares about people.A PLUS CUSTOMER SERVICE IS GREAT
Notes: first time insured 28 purchase prompt auto insurance young driver South Carolina Geico Infinityread less
laura g.
7/21/2021
My rep was the absolute best I love...read moreMy rep was the absolute best I love my insurance companyread less
The O.
3/01/2023
Mrs. Lauren Phillips went ABOVE/BEYOND to find me...read moreMrs. Lauren Phillips went ABOVE/BEYOND to find me a low and doable car quote! I'm VERY APRRECIATIVE!!.. ππππππππread less
Alex S.
4/02/2023
Marlon is the best. Super friendly and helpful!
Nikki :.
3/01/2023
A great experience!
Lisa F.
3/17/2023
Was having problems getting my Insurance cards sent...read moreWas having problems getting my Insurance cards sent to me in the mail after I had fully paid for another 6 months of coverage so called Alexis Karapiperis from A Plus Insurance and she helped me in a very quick and professional manner. These folks are "A Plus" in my book! Thanks Alexis! Jeff in Colorado Springs.read less
Jeff P.
5/02/2023
Jola was excellent. I honestly have never had...read moreJola was excellent. I honestly have never had that good of customer service on the phone. Thank you so much for making this transition so easy.read less
Jeffrey M.
11/16/2022
They are awesome. Constant communication, great rates. Love them!!!
Ryan H.
1/06/2023
good help got the best deal for me
Terry G.
7/21/2023
MS ALEXANDRA WAS EXTREMELY HELPFUL AND AWESOME. I...read moreMS ALEXANDRA WAS EXTREMELY HELPFUL AND AWESOME. I WOULD DEFINITELY RECOMMEND THIS COMPANY AND HER EXPERTISE TO ANYONE LOOKING FOR INSURANCE SERVICEβοΈread less
Tyson M.
11/19/2022
Great rates. If you feel you already...read moreGreat rates. If you feel you already have great rates get a quote anyway πread less
Mardell H.
7/21/2020
This car insurance agency was the best Iβve...read moreThis car insurance agency was the best Iβve used so far! I was able to find the best quote for what I could afford. Marlon, the agent who helped me was really professional and friendly. During this stressful time in my life, I found this company to be extremely helpful. Customer service was over and beyond my expectation.
Notes:married student 26 quote Discounted liability only young driver MI Prior insurance Safeco Driving an Infinityread less
Mua S.
6/23/2022
Jola provided excellent customer service and got me...read moreJola provided excellent customer service and got me a great policy for a fair price. Recommend 10/10read less
Tyler W.
7/21/2020
Jola is my forever insurance gal. She makes...read moreJola is my forever insurance gal. She makes it easy for me and gets it done right!read less
Mark M.
12/21/2021
Justine Pronk was very helpful and respectful throughout...read moreJustine Pronk was very helpful and respectful throughout the experience and got me insurance with the general in less than 15 !read less