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
Auto Insurance Agents
Need to find an auto insurance agent in your area? Read
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...
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.