Need New York Auto Insurance Quotes?

Purchasing auto insurance in New York is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of auto insurance that you choose to purchase. Regulations regarding auto insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of New York auto insurance.

The state of New York has insurance laws and regulations that are stricter than in most of the states. The liability insurance is required in the state and has to include uninsured motorist protection and personal injury protection in addition to traditional bodily injury liability coverage and property damage liability coverage.

The New York minimum insurance limits are 25/50/10: $25,000 coverage for bodily injury for any one person, $50,000 coverage for bodily injury for all persons injured and $10,000 coverage for property damage. However, there is an additional 50/100 minimum limit for wrongful death coverage.

It is a requirement in the state of New York to always carry the proof of insurance inside the car and present it during the registration process. Driving without insurance is punishable by revocation of license for a period of 1 year. Insurance companies have to provide the Department of Motor Vehicles and/or New York Department of Insurance with the list of all current New York car insurance policies and any information about cancellation and non-renewal cases. Another important fact is that According to the National Association of Insurance Commissioners, in 2003 the state of New York was rated #2 among all states based on the cost of insurance ($1,160.80 in average insurance expenditures).

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