If you are shopping for local auto insurance in New York, you are at the right place. CarInsurance.com offers over a dozen strong, reliable carriers. We want customers to shop and pick the best company that is competing for their business. You can purchase a policy through CarInsurance.com. Getting a quote is easy and you get to compare the rates from multiple companies so you know you are getting a good deal with the right coverage. The only way to save on car insurance is to shop for car insurance. The best rate last year is not the best rate this year!
NEW YORK CAR INSURANCE REQUIREMENTS
New York state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 UM limits.
NEW YORK INSURANCE COVERAGE:
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $50,000 Limit
The state of New York follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. New York state law requires a minimum Personal Injury Protection coverage of $50,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New York state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
When you get a quote at CarInsurance.com, our coverage page will give you the option of choosing the Minimum State Required package, more wide-ranging coverage packages, or you can customize every limit and deductible to fit your needs. If that is too complicated, CarInsurance.com's insurance agents are licensed in New York and available to help you all the way through the quote and purchase process.
See how New York's car insurance quotes are trending. CarInsurance.com's Average Premium Trend Tool shows these changes in New York auto insurance rates, over the past few months. The arrow shows the montly trend and the graph shows the change in New York's average car insurance rates over the past few months. Hold your mouse over the points to see New York's annual average premium.
Get local car insurance in all of New York. Enter your zip code in the quote boxes on this page or follow this link to get an auto insurance quote now.
Local car insurance is available in all of New York!
The average auto insurance premium for residents in New York is $2,658 in 2011; the national average is $1,440. Some people think the state and insurance companies fix the rates, so they never shop around for better rates. Insurance companies segment their rates differently so everyone's rate will be different with each company. You have to shop around to see if you are saving money. CarInsurance.com helps you find the competitive rates and discounted prices available in New York, so average New Yorkers can get a better-than-average rate on their auto insurance.
2011 has had an increase in auto insurance rates. It is important to shop for car insurance so you get the best available rate! CarInsurance.com brings competition directly to the consumer and we work to lower your costs through technology.
Even within the state of New York, rates have changed over the past few years. Comparing the current average car insurance rates, the average auto insurance premium in New York is 12% higher in 2011 than 2010. 2010 was 1% lower than 2009 in New York. Now is the perfect time to shop for new low rates on your auto insurance, by requesting a quote online you could save hundreds instantly!
source of articles : http://www.carinsurance.com