New York Car Insurance Quotes

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New York Car Insurance Quotes: Full Coverage

All About Full Coverage Car Insurance in New York State

Auto Insurance, Now in 34 states!

New York Car Insurances Quotes: Full Coverage

All About Full Coverage Car Insurance in New York State

By Amanda Moss | Licensed Agent | Powered by A Plus Insurance

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

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

FactorImpact
GenderMedium
How Long You Owned the VehicleLow
Credit HistoryHigh
Major Violations (DUI, DWI, etc.)High
Insurance HistoryMedium
Type of Vehicle CoverageMedium
State RequirementsMedium
ProfessionLow
Driving RecordHigh
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

New York Car Insurance Quotes2 3

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?

DiscountsSavings
Continuous Insurance$15+/month savings
Advanced Quote$8-10/month savings
Auto Pay$5-10/month savings
Paperless$4-5/month savings
Multi vehicleN/A
Multi PolicyN/A
Education$2-3/month savings
MilitaryN/A
Marital StatusN/A
Homeowners$3-4/month savings
Advanced Quote$3-4/month savings
New York Car Insurance Quotes – Discounts

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.

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Last Updated on by Amanda Moss

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