By Amanda Moss | Licensed Agent | Powered by A Plus Insurance
- New York Car Insurance Quotes: Full Coverage
- New York Car Insurance Quotes: What Is Full Coverage?
- Do I Need Full Coverage To Drive Legally?
- Calculate: Should I Get Full Coverage?
- What Does New York Car Insurance Quotes NOT Cover?
- New York Car Insurance Quotes: Liability Only
- New York Car Insurance Quotes: Insurance Rate Factors
- Real Life Estimate on New York Car Insurance
- New York Car Insurance Quotes: Discounts
- Frequently Asked Questions About New York Car Insurance Quotes
- INSURANCE SERVICES WE OFFER
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 State’s 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 |
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 |
Frequently Asked Questions About New York Car Insurance Quotes
Q1: What factors influence car insurance quotes in New York?
A1: Car insurance quotes in New York are influenced by various factors, including your driving history, the type of vehicle you drive, your age, location, coverage levels, and more. Insurers also consider your credit history and any applicable discounts when providing quotes.
Q2: How can I get accurate car insurance quotes in New York?
A2: To get accurate car insurance quotes in New York, it’s important to provide complete and honest information to insurance companies. You can request quotes from multiple insurers, compare coverage options, and consider bundling policies to potentially lower your rates.
Q3: Are there discounts available for car insurance in New York?
A3: Yes, there are discounts available for car insurance in New York. Insurers may offer discounts for factors like safe driving records, completing defensive driving courses, bundling multiple policies, having anti-theft devices in your vehicle, and maintaining a good credit score.
Q4: How much is car insurance per month in New York?
A4: The cost of car insurance per month in New York varies widely based on factors like your driving record, vehicle type, and coverage options. On average, drivers might expect to pay anywhere from $100 to $400 per month, but it’s important to get a personalized insurance quote for more accurate pricing.
Q5: Why is car insurance in New York so expensive?
A5: Car insurance in New York is expensive due to factors like high population density, increased risk of accidents and theft, higher costs of medical care and vehicle repairs, and extensive insurance requirements mandated by the state. Urban areas, especially NYC, often see higher rates due to these factors.
Q6: What is the best insurance in NYC?
A6: The best insurance in NYC depends on individual needs and circumstances. It’s advisable to compare quotes and policies from various insurance companies like Progressive, National General, and others. Consider factors like coverage options, customer service, rates, and discounts to find the best fit for your needs.
INSURANCE SERVICES WE OFFER
Auto Insurance
Don’t give up…we can help you find affordable rates, need an SR-22? We got you!
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Other Insurance Types
Motorcycles, RVs, ATVs, life insurance, you name it…we can help!
Last Updated on by Amanda Moss