Overview of New York Auto Insurance

If you are hesitant about searching for New York auto insurance because you do not know where to begin, you have come to the right place. It is always best to begin with the basics. Here is a basic overview of New York auto insurance to aid you in your search.

New York Auto Insurance Minimum Requirements

You have to purchase a minimum amount of New York auto insurance in order to drive. These minimum requirements are as follows:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage per accident
• $25,000 uninsured/underinsured motorist bodily injury per person
• $50,000 uninsured/underinsured motorist bodily injury per accident
• $50,000 personal injury protection

These are the limits that are required on each form of New York auto insurance protection. You may purchase more if you like and it is recommended in most cases that you do. The first 3 limits mentioned above are for liability only policies and are designed to protect your passengers and other involved in an accident and not you.

Not all states require uninsured/underinsured motorist insurance, but New York does along with personal injury protection (PIP) insurance. Most states that are no-fault states, such as New York, require you to purchase PIP insurance. It is to protect you and your passengers from personal injury.

Cost of New York Auto Insurance

How much you are paying or will have to pay for New York auto insurance will depend on a variety of factors, some of which you can control, some of which you cannot. The average cost of auto insurance in New York is among the highest in the United States. This is due mainly to the large urban areas. These areas have large amounts of traffic and thus accidents, as well as a higher cost of living.

In 2009, the average New York auto insurance policy costs, $2,446 per year. This is over $600 more than the national average. If you live in one of the large urban areas, chances are you will be paying more than this. If you live in a rural part of the state, you may be paying less.

Saving Money on New York Auto Insurance

Because of the high cost of New York auto insurance, you are surely looking for ways to save money on your car insurance premiums. There are many ways to do this and because the cost is higher than the average, you have the opportunity to save even more.

Here are a few ways to save money on your New York auto insurance

• Get auto insurance quotes before buying a vehicle: Your vehicle has a great deal to do with how much you will pay for New York auto insurance. Comparing insurance costs of various vehicles before making a purchase can save you hundreds of dollars per year.

• Protect yourself and your car: You can do this by having safety features such as air bags, automatic seatbelts and anti-lock brakes. You can also protect your car with car alarms and by parking in a garage.

• Take the train instead of driving: Reducing the amount of miles you drive will help to reduce your New York auto insurance premiums. Car pooling is also a good idea to reduce mileage.

Finding the Best New York Auto Insurance

The right New York auto insurance is a very important component of your personal finances. You don't want to spend too much, but you also need to make sure that you have quality coverage that will be there when you need it. This is why you need to shop around for the best.

Shopping around for New York auto insurance may sound tedious, but it is not as boring as you may think. You can shop and even purchase New York auto insurance online and it doesn't take long. You can get multiple New York auto insurance quotes from one website to quicken your comparison shopping.

Once you have gotten 5 or more New York auto insurance quotes, you are then ready to make a decision based upon the following:

• Company
• Policy limits
• Policy exclusions
• Overall cost

Once you have made your decision you can purchase your New York auto insurance online. This can all be done quickly and securely and you can rest easy that you made a good decision regarding your New York auto insurance.