New York Car Insurance Quotes
Thank you for visiting our New York car quotes and information page.
Registering your car and obtaining license plates is a necessity if you wish to own and drive a car in New York. In order to do so, you must purchase a New York car insurance policy.
That's where InsureMe comes in! Our free quoting service has been helping New Yorkers just like you find competitive car insurance quotes since 1993. Just fill out our form and we'll send you up to five free quotes from New York car insurance agents in your area.
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Important New York Car Insurance Information
Basic Information
New Yorkers have long enjoyed a competitive car insurance market. Nearly 270 insurers currently write car insurance policies in the state of New York, with over $8 billion generated annually.
Choosing your insurance agent and company wisely from amongst this group will help insure you get the New York car insurance protection you and your family need.
Coverage Requirements
New York state requires its residents to purchase certain minimum car insurance amounts to satisfy the financial responsibilities of owning and operating a car. These coverages include:
- Personal Injury Protection (PIP)-Also called "no-fault" insurance. Designed to pay medical expenses and lost earnings for a driver or passenger injured in or by your car, regardless of who is at fault. PIP insurance can be purchased up to a maximum of $50,000.
- Bodily Injury Liability-Protects you against claims alleging your negligence or fault in an accident. State-mandated minimums are $25,000/$50,000, with limits of $50,000/$100,000 respectively in the event of death.
- Uninsured Motorists-Provides bodily injury protection for you and your family members, as well as anyone to whom you give permission to drive your car. Required minimums are the same as those for bodily injury liability.
- Property Damage Liability-Insures against damage to another person's car or property. State-mandated minimum is $10,000.
Saving Money on Your Premiums
Tips for lowering your New York car insurance premium include:
Cancellation/Nonrenewal
New York car insurance companies are not allowed to cancel or nonrenew your car insurance policy once it is in force for 60 days unless your driver's license is suspended, you do not pay your premium, or you commit fraud through misrepresentation. Notice of mid-term cancellation must be sent at least 20 days prior to its effective date, and must list the reason/s for your policy's termination.
A recent change in New York law also requires that any cancellation due to nonpayment clearly state the amount outstanding.
New York car insurance renewal periods occur once a year. By state law, your New York insurer must renew your policy unless giving you at least 45 to 60 days advance written notice of its intention not to do so.
Shopping Tips
Savvy New York car insurance shoppers get the best coverage at the best price by:
- Inquiring about discounts
- Buying only the coverage they need
- Researching coverages and comparison shopping
- Setting deductibles as high as affordably possible
- Maintaining uninterrupted coverage
Before buying a New York car insurance policy, consider important factors such as a company's financial strength and complaint history, as well as cost and coverage. These elements provide a good indication of the type of service a company provides and whether or not they will remain in business long term.
Have questions?
For answers to further questions on your New York state car insurance, contact the New York Department of Insurance on their Web site at www.ins.state.ny.us, or call them at 800-342-3736.
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