Whether you are a cab driver who shuttles passengers about Manhattan, a mining engineer living outside of Albany, or a plow truck operator occupied clearing the streets of Syracuse, you need relevant and updated information about New York auto insurance Quotes policies to make better decisions for your business and budget. The Empire State boasts fiercely complicated auto regulations – particularly in and around New York City – and the mountain of information out there about how to source and analyze New York auto insurance quotes can easily overwhelm. This article will introduce you to minimum requirements for New York auto insurance as well as relevant statistics and tricks of the trade to simplify and speed up your quest – giving you time to relax however you choose – whether that be listening to stand-up at a Catskill Resort in the Borscht Belt or clubbing until dawn at a private party in a Soho Loft.
Minimum Requirements for New York Auto Insurance Quotes Policyholders
Even if you literally take the subway everywhere you go, if you own and drive a car in the Big Apple or elsewhere in New York, you must adhere to minimum limits set forth by New York state law. As of February 2010, New Yorkers had to carry bodily injury and property damage liability to the tune of 25/50/10. In addition, you needed personal injury protection and uninsured motorist protection for New York auto insurance Quotes.
Most New York auto insurance quotes are not cheap. In 2007, according to the National Association of Insurance Commissioners, the average New Yorker paid $1,047 – making New York the fourth most expensive state in the U.S. for auto. New Yorkers paid $692 for liability, $330 for collision and $157 for comprehensive. Only 5% of New York drivers lacked insurance, as of 2007, according to the Insurance Research Council – a silver lining to this otherwise relatively gloomy cloud.
Plucking Lower New York Auto Insurance Quotes
Do you live in and around NYC? If so, opt for public transportation more and qualify for a low mileage discount. Are you a student at NYU? If so, and if you have an A to B grade average, you can get a good student discount, which could save you 10%. Equipping your vehicle with airbags, antilock brakes, and anti-theft devices can drop your rates further.
If you own your own home (not likely if you live in NYC), you could qualify for a home/auto discount. If you get both kinds of insurance from the same company, this could lead to savings of 30% or more. Discounts like these abound, and it's key to tailor your coverage to your needs. For instance, if you own an old clunker that you use only for tooling down I-95 to see your parents in Jersey, opt out of comprehensive and collision and save a bit more.
Shopping Intelligently for New York Auto Insurance Quotes
You need not be a whiz kid on Wall Street to capitalize on the easy-to-use service we have here at AutoInsuranceQuotes.com. Fill out a form online today (should take you just 2 minutes), and collect multiple quotes from name brand insurers. Normally, to do this, you would have to fill out a form with each separate insurance company. When you use AutoIinsuranceQuotes.com, however, you save a fantastic amount of time – and that's a commodity that most busy New Yorkers can certainly use more of New York auto insurance Quotes.