The rates for car insurance in all the major cities of the world have been sky rocketing over the years. At the same time, the car has become a necessity in the home and work and the thought of not having a car to most people is unthinkable; think of going to work, picking your kids, going for a weekend picnic with the family...
The list is endless and these might even increase if you live within the Big Apple. New Yorkers have over the years become inseparable with their cars but with the ever rising auto insurance New York rates, the possibility is slowly becoming a reality. But, hey, hold on for a minute, why go for expensive options while you can get cheap auto insurance New York companies? Before delving further into this promising piece of info, have a look at these details;
New York Insurance requirements;
New York State is one of the no–fault states and this basically means your insurance covers you in case of an auto accident while the other driver’s policy covers them irrespective of whose fault it was. Other aspects include,
$10,000 property minimum damage liability
$25,000 per person $50,000 per accident minimum bodily injury liability
$50,000 per person for death and $100,000 per accident
$50,000 basic no fault coverage
Compared to other states, the auto insurance New York rates are a pricey affair considering the economic turmoil in the US. The need for cheap car insurance becomes a necessity considering that even the minimum quoted might not be enough to offset the damages. There are many companies that have risen to the challenge and are offering cheap auto insurance depending on several factors. The scaring thought of losing your vehicle or not being able to pay for your injuries after an auto accident should serve as a motivator in searching for insurance cover. To get the best, consider the following
Type of cover you want; There are several types of car insurance including liability coverage which is mandatory for all New York drivers. It is a cheap option available widely but the fact that it only covers the costs of damage and injury to other parties in an accident which is your fault leads to the need for more coverage. When shopping for cover, you should be decided on what you want to avoid going for cheap options which won’t serve all your needs.
Increase your chances for cheaper rates; before going shopping for quotes, remember they are individually set. For example, a driver with multiple speeding tickets will obviously end up with a more costly quote than one with a clean driving record. Avoid tickets and minor fines and shore up your credit score.
Get a highly deductible policy; most cheap auto insurance New York companies will give you lower monthly rates if you accept to pay more from the pocket in case of an accident. The higher the deductible level, the lower the rates.
Check your car for safety issues; when buying the insurance, the company will check your car to see how safety conscious you are. Safety features such as child-proof locks, anti-theft features, will earn you lower quotes.
So, what are you waiting for? Get online and see the marvellous offers from cheap auto insurance companies’ websites and get invaluable tips and advice. For the New York auto insurance, cheap might even mean better.
Author Resource:
Jc Denton is the author of this article on Auto Insurance .
Find more information about Auto Insurance New York here.
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