newyork.drivinguniversity.com Traffic School
Simple | Defensive Driving & Traffic School Online



New York Auto Insurance

If you’ve ever driven in Manhattan, you probably understand why insurance is a state requirement. Having that many cars squeezed into one city is a recipe for disaster-especially since New York drivers are not exactly legendary for their politeness. Even if you’re a perfectly good driver, there’s always going to be someone else acting crazy. New York auto insurance is mandatory for everyone’s protection, including yours!

 

Auto Insurance Agents

Need to find an auto insurance agent in your area? Read more...

 

Comparing Companies

As we've learned, New York auto insurance companies use tiering systems to determine your premium. Most companies look at similar factors, particularly your driving record. Read more...

 

Auto Insurance Discounts

One way to try to save money on your premium is to call your insurance company to make sure you are receiving all of the discounts you are eligible for. Some companies offer discounts for being a long-time customer without having any lapses in coverage, or for having multiple policies with the same company. Read more...

 

Insurance Requirements

Driving a car may seem innocent enough, but it's actually dangerous business. Like almost all states, New York requires its citizens to be responsible for the damages they could cause in an auto accident. Here’s how auto insurance makes that easier: Insurance companies agree to cover losses that you are liable for as a result of an accident. Read more...


Levels of Auto Insurance

There are many levels of coverage available besides the state minimum. Read more...

 

Risks of not Having Auto Insurance

Driving without insurance in New York is not smart. First, you could end being responsible for tens of thousands of dollars worth of medical bills and property damage if you get in an accident and it's your fault. Unless you have a lot of money and you don't mind the thought of wasting it, getting an auto insurance policy is the most sensible thing to do if you own a vehicle. Read more...

 

New York Motorcycle Insurance

If you ride a motorcycle, you have to have insurance, just as if you were driving a car. In fact, getting good motorcycle coverage is almost as important as wearing a helmet! Read more...

 

Types of Coverage

It's extremely important to know what your auto insurance policy covers. After all, you can't afford to find out that you weren't sufficiently covered after an accident! You need to know beforehand, so you can call your insurance company and fix it. Of course, you should always read your policy, but unless you are an insurance agent, all of the insurance-specific terminology can seem rather cryptic. Read more...

 

What Affects Insurance Rates?

There are many factors that insurers use to determine your auto premium. Many insurance companies in New York use what is called a “multi-tier” system to rate policies. This means that there are a variety of different rate levels, called tiers, within the same company. Your tier is determined by factors such as your age, your loss history, your driving record, and your history with previous insurers. Read more...


Driving University Online Course