Our purpose at New York Auto Insurance is to provide you with the assistance you need in purchasing your auto insurance.

In New York the task of obtaining car insurance quotes can be daunting when you first start looking for them, but auto insurance is not just an option-it is a legal necessity. Of course, you wouldn't want it any other way. If you are involved in an accident or have your car stolen, owning the right kind of auto insurance can help to ease a difficult situation.

New York residents often pay more than they should for their car insurance. Data from the Insurance Information Institute suggests that residents of New York spent an average of around $1083 on insurance premiums in 2006 (the national average was $803). This represents a decrease from 2005, when residents were paying $1125 on average. While decreases in premiums are good, you should be aware that during the previous five years, New York residents had been experiencing yearly increases of nearly 1.4% on average. In general, 2005 was the year when a majority of customers across the nation began to see their premiums decline.

newyorkcarinsurance.com and other similar sites have had a huge role to play in sensitizing people about the advantage of technology in comparing rates before buying insurance. You can start saving money for New York Auto Insurance right now by visiting newyorkcarinsurance.com.


When it comes to car insurance, the state law for New York requires a minimum coverage of $25,000 for Bodily Injury Liability per injured person. It also requires up to a maximum of $50,000 per accident. The minimum state requirement for Property Damage Liability coverage is $10,000. This type of coverage is generally referred to as 25/50/10 coverage. In New York, however, it's common for consumers to purchase higher amounts of coverage- that will be one of the factors you will have to consider in making your insurance decision.

Although New York Auto Insurance does not require a minimum Personal Injury Protection (PIP), there are advantages to having this type of coverage. For example, if you ever have an accident, PIP will pay for your and your passengers' medical expenses.

Another type of optional coverage you can consider getting is Uninsured/ Underinsured Motorist Coverage. This coverage will help pay for any injury resulting from an accident caused by an uninsured driver. You can choose to purchase this added protection, although state law for New York Auto Insurance does not require it.


Once your auto insurance policy is in force for 60 days, New York auto insurance companies are not allowed to cancel or nonrenew your auto insurance policy unless: you do not pay your premium, your driver's license is suspended, or you misrepresented your self and thereby committed fraud. A 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 total amount owed.

By state law, your New York insurer must renew your policy unless you are given at least 45 to 60 days advance written notice of its intention not to do so. New York auto insurance renewal periods happen once a year.


Don't shop by price alone. When looking for New York Auto Insurance, you want a company that answers your questions and handles claims fairly and efficiently. There are many sources for finding great rates and service, but one of the easiest and most efficient is the internet. And for the best quotes, newyorkcarinsurance.com is the place you want to go.

As with any purchase, it's a good idea to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Getting quotes from the internet is one of the most convenient methods of researching and obtaining the best deals in car insurance- and you can do it from the convenience of your home!

Tips for lowering your New York auto insurance premium include:

• Enquire about the cost of insurance before you buy a car.
• Inquire with your New York auto insurance company about any discounts available, such as multiple-auto or multiple-policy discounts.
• Drive safely.
• Don't drink and drive.
• Maintain a good payment record.
• Set deductibles at the highest possible levels.
• Comparison shop through an insurance referral service like New York Auto Insurance.

New York Auto Insurance is really not that complicated. While many residents in The Empire State will get their insurance in the traditional way, make sure you compare car insurance rates from multiple companies to get the best rate. You can call each car insurance company directly or you can shop for auto insurance online. Shopping for auto insurance online can be faster and more convenient.- you should consider saving money and going to newyorkcarinsurance.com .

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