New York Auto Insurance Quotes: Car Auto Insurance Quote in NY and NYC Auto Insurance New York

Insurance news: new york auto insurance quotes

If you are shopping for local auto insurance in New York city, you are at the right place. car-Insurance-News.com offers over a dozen strong, reliable NYC automobile insurance quotes for NY state. We want customers to shop and pick the best New York auto insurance company that is competing for their business. Getting an auto insurance quotes in New York is easy and you get to compare the rates from multiple NY car insurance companies so you know you are getting a good deal with the right coverage. The only way to save on auto insurance in New York is to shop for the best quote.

Auto Isurance in New York: Requirements for Policy

New York state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per auto accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 UM limits.

New York car insurance coverages:
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $10,000 Limit
- Uninsured and Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
- Personal Injury Protection: $50,000 Limit

The state of New York follows a No-Fault system meaning your auto insurance company in NY will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.

NYC Auto Insurance Quotes in New York Explained

Personal Injury Protection (PIP) helps pay for “reasonable and necessary” medical expenses for you and your passengers. New York state law requires a minimum Personal Injury Protection coverage of $50,000.

To help protect against damages caused to you and your passengers by an uninsured driver, New York state law requires a minimum Uninsured and Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.

When you get an auto insurance quote in New York, coverage page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs. If that is too complicated, our New York auto insurance agents are licensed in NY and available to help you all the way through the quote and purchase process.

New York Auto Insurance Premiums for NY Drivers

The average New York auto insurance premium for residents is $2,500 in 2009; the USA national average is $1,800. Some new yorkian people think the state and New York auto insurance companies fix the rates, so they never shop around for better rates. American car insurance companies in NYC segment their rates differently so everyone’s rate will be different with each company. You have to shop around to see if you are saving money. We helps you find the competitive NY auto ins rates and discounted prices available in New York, so average New Yorkers can get a better-than-average rate on their auto insurance in New York state.

Even within the state of New York, rates have changed over the past few years. Comparing the current average automotive rates, the average auto insurance premium in New York is 1% higher in 2009 than 2008. 2008 was 1% higher than 2007 in New York. Now is the perfect time to shop for new low rates on your New York auto insurance quotes, by requesting a quote online you could save hundreds instantly!

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