Looking to get New York car insurance quotes can seem like a headache inducing task. Like most US states New York has specific car insurance requirements which must be taken into account when looking for quotes. New York mandates that all vehicles registered in the state must have the following type of coverage.
Liability Insurance – This pays for any accident-related damages caused to another person as a result of a car accident, including both bodily harm and damage to personal property. The policy must include minimums of $25,000 for injuries to one person, $50,000 for injuries to multiple people, $50,000 for death to one person, $100,000 for death to multiple people and $10,000 for property damage.
No Fault Insurance – This covers the cost of any accident no matter who was at fault. Basic coverage includes a limit of $50,000 per person to cover medical expenses that are related to the accident, it can also subsidise 80% of lost income due to injuries with a limit of $2,000 per calendar month. This kind of insurance will cover any medical expenses before health insurance. Health insurance will only kick in if the expenses exceed the policy amount.
Uninsured Motorists Coverage – This is required if you have been a victim of an accident, and the driver at fault does not have insurance. The minimum coverage is $25,000 for injuries to one person, and $50,000 for injuries to multiple people.
There are many variables that can affect car insurance quotes and one of these is the area you live in. In New York City alone, there is a wide discrepancy in insurance rates depending on area. The average for Brooklyn is approximately $3,877, and for Manhattan it’s a lower rate of $2,350. Another variable that can affect the car insurance quotes you may receive is the type of car you drive. In New York, insurance companies are legally obligated to provide insurance discount to cars that have automatic seat belts, air bags, factory installed anti-lock braking systems of factory installed daytime running lamps.
Sometime it can be really difficult to find appropriate auto insurance unless you visit someone like https://newyork-insurance.website/get-new-york-car-insurance-quotes/ that has multiple options for you. If this is the case it is possible to apply for car insurance through the New York Automobile Plan (NYAIP). This plan will assign a car insurance carrier to you that will provide the minimum coverage required by the state. However, when using the NYAIP prices tend to be higher than standard rates.