Auto insurance quotes for New York are provided free on our website. We understand that your rates have probably been rapidly increasing. We’ll help you find the lowest car insurance rates in New York so you can apply for coverage and save money! By simply providing your zip code, we have researched which carriers offer the most competitive prices in your area.
The part of the state you live in is going to have a tremendous effect on the premium your insurer charges you. For example, as expected, rates in the Big Apple are among the highest in the US at almost $3,000 per year. And Yonkers and New Rochelle premiums aren’t much lower. Yet rates in more rural cities such as Rochester and Albany are about 50% less. Manhattan? Brooklyn? Yes, premiums can be a bit pricey there, but we’ll help you find inexpensive options.
Often, Esurance, Geico, Progressive and Nationwide offer the most competitive prices. But since there are so many counties in the state, and rates can differ by a wide margin, we feel it is very important to compare all company rates instead of just a few. As a result, you have a better chance of finding the best deal. And that’s our goal. And since prices change (sometimes every week), we will always provide the most current figures so the right selections can be made.
But where you live isn’t the only criteria that determines how much you’ll pay for your auto insurance policy. The type of vehicle you have, where you park it at night (for example…is it garaged?) and driving record are just a few of the pieces of the underwriting puzzle. This is what we’re very good at. We look closely at all of the different factors (including your zip code and county) and determine which companies will charge you the least both now and for years in the future.
If you’re unsure of which cars are the most (or least) expensive to insure, typically, if they are rated high for minimizing damage from accidents, the insurance rate will be lower. It’s also important to be aware of vehicles that are stolen the most. At or near the top of the list are the 1997 Nissan Maxima, 2000 Honda Civic and 1996 Dodge Caravan. And no, there doesn’t appear to be any recognizable pattern there. Of course, an active alarm system will reduce the risk.
New York’s minimum required liability limits are higher than most other state requirements. Instead of only $12,500 per person (which is very low), NY drivers must have limits of $25,000 per person, $50,000 per accident and an additional $10,000 of property damage. Since there are many uninsured drivers on the road, additionally, you are required to have $25,000/$50,000 of uninsured and underinsured bodily injury protection. Most states are slowly increasing their limits, including Ohio in 2013.
The state also utilizes the “no fault” underwriting system, so you will get compensated for damages and injuries by your insurer and not by the other party. This is why it’s important you choose your carrier wisely since they will ultimately be paying you. We’ll help you research who has the best “deal” in your area so you don’t get stuck with a company that is slow in paying its claims.
And no…we’re not done! You’re also required to have $50,000 of “Personal Injury Protection,” (PIP). This will provide some medical expenses protection for yourself and any passengers in your vehicle if you have an accident. And any private or group health care coverage you have will also be used in conjunction with the PIP coverage. In 2014, the law will require all persons to purchase qualified health care. Otherwise, there will be a special tax. So there is an increased chance that in 2014, more passengers will have more comprehensive medical benefits.
It’s also important to stay informed on any new regulation or law changes in NY since they could impact the type of coverage you are required to have. When changes like this occur, we can recommend the least expensive way to make sure you are compliant.
There are also product changes that are periodically announced. For instance, recently, Geico recently stated that their commercial New York auto insurance rates would be lowered. And since they are the largest writer of private car coverage in the state, it will have a big impact. Naturally, at the top of every page, we make it easy for you to view the companies with the best offers and request a free quote.