New York Motorist: Minimum Car Insurance Requirements

Every state in the U.S. has its own laws regarding minimum auto insurance coverage. All drivers in New York must carry liability coverage in order to operate a motor vehicle. As of 2012, minimum insurance requirements for New York are similar to those of other states. The law states that motorists must have at least 25/50/10 coverage.

In other words, before you can own or drive a car, you must be covered for $25,000 in bodily injury liability with at least $50,000 available per accident. You are also required to carry at least $10,000 in property damage liability. Furthermore, because New York is a “no-fault” state, you must also purchase personal injury protection to protect yourself financially in the event you become injured in an auto accident. Failure to carry the minimum liability coverage in New York can result in serious consequences, including fines in excess of $1,500 and license suspension.

Keep in mind that although you may pass legal requirements by purchasing state minimum coverage, purchasing only minimum coverage may not be adequate for your needs. For example, if you only purchase $10,000 in property damage liability, and you cause an accident that totals a $20,000 vehicle, you will be personally liable for the remaining $10,000 balance on the vehicle after your insurance policy reaches its limits.

Whether you are new to New York or simply starting to shop for a new auto insurance plan, you need the experience and advice of a local New York insurance agent. My agency serves clients in the Mastic, NY and Selden, NY areas, and we will not only help you navigate minimum insurance requirements in our state, but we can also help you determine whether you need addition coverage to protect your own vehicle and bodily injuries in an accident. If you are in the market for New York car insurance, contact us today. We can give you multiple quotes at no obligation to you.

The Factors that Can Affect the Cost of Your Car Insurance in New York

There are many factors that can affect of your car insurance. How well you drive, whether you’ve had tickets or accidents, your age, and even your marital status are all used in order to determine the rate you’ll pay to keep your vehicle insured. Because there are so many car insurance factors, it’s important that you focus on the ones that are in your control. By being a careful driver and keeping your record clean, you can lower your car insurance rates. Whether you live in Selden, NY or Mastic, NY, you’ll want to get your rates as low as possible, and keep them there. You can’t do anything about how the car insurance company judges your age or marital status, but it’s very important you take charge of the factors you have control over and make them work to your advantage.

Also keep in mind that car insurance factors for many companies in New York also include your credit score. If you have bad credit, you’ll pay more to insure your car. It may not be easy, and it can’t be done overnight, but improving your credit is important. It’s something that should be done, and it’s something that can make a definite difference in how much you pay for your vehicle insurance. Selden, Mastic, and other cities all have agents that can provide insurance information to you, so you can look at all the factors that can affect of your car insurance. When you have more information it’s easier to make a decision that’s right for you and that you can live with. You can always adjust your insurance later, and you can also ask your agent or insurance company to revisit your information and credit report if there have been significant, positive changes.

How to Choose the Best Insurance Policy in New York

When you’re trying to determine how to choose insurance in New York, there are several factors you have to consider. Where you live is only part of the equation, but places like Selden and Mastic, NY can have requirements that aren’t the same as other places. That’s true of just about anywhere, so be sure to consider all the options you have and what kind of coverage you can get. Keep in mind that your agent is there to help you, and you don’t have to know everything about insurance in order to be successful at picking a good policy. Ask questions, and make sure that you’re getting answers that are clear and that really answer your questions. If you’re not, move on and talk to someone who will be ready and willing to help you properly, so you can get the insurance you need.

Choosing the best insurance policy isn’t always easy, even when you have good information. You’ll want to be sure of the company that’s protecting you, because you want to know that the company will be there for you if there’s a problem in the future. You also want to make sure that your New York insurance is priced properly. Selden or Mastic insurance may be more expensive than in some other parts of the country, but that doesn’t mean that choosing the best insurance policy equals choosing the most expensive policy. How to choose insurance is more than just how much you can or should spend. It’s about feeling safe and secure, and it’s about making sure you have enough coverage but that you’re not overpaying for coverage you don’t need. Those things can be hard to decide upon on your own. When you compare companies and work with an agent, it can be much easier to find the things that mean the most to you.

What are the Advantages to Using an Agent in New York to Purchase Insurance?

There are many advantages to using a local agent in New York. Insurance plans can be complicated and you need to make sure you are getting the best policy for your situation. Since many towns differ in the amount for a car or home insurance policy, you will want to look at your specific location. If you live in Selden, NY, you may be able to save money on all of your insurance purchases.

When looking at car insurance for your vehicle in New York, one of your main concerns may be security. If you do not park in a garage or other secure location, you may end up spending more money. Although, if you install a security system in your vehicle, you may be able to earn a discount. One of the advantages to using a local agent is that he will understand your area and will be able to give you information about the type of policy you need for your vehicle and the possible discounts that may save you money.

Many people who live in Mastic, NY enjoy living in one of the older homes. When considering a homeowners insurance policy, you need to make sure you understand what is covered and how much protection you need. If you have a garage or other out buildings on your property, these will need to be covered on your policy. If you have expensive tools or collections in your home, you may need additional insurance for these items. The best way to make sure you get the most affordable deal on your insurance purchases is to work with an agent locally. They will be able to compare multiple quotes from several great companies and find the policy that fits your budget.