A Guide to Automobile Insurance in New York

Auto insurance demands in New York are very high compared to those of most other American States. Be aware. New York is among the five most expensive American States to insure vehicles - with the fourth highest average expenditure after Washington DC, New Jersey and Louisiana.

To give an idea: as of 2006, the last year relevant data was gathered, New Yorkers had to spend a median of $1094 annually on their car insurance. You might be able to get an insurance package in New York for significantly less if you shop around (and remember to ask about discounts) but most companies provide a New York car insurance quote without charge.

New York is known as one of the twelve "No Fault States" with respect to car insurance. In New York, all drivers have to carry insurance for their own protection, which in turn sets limitations on their ability to sue other drivers in the event of an accident. No Fault laws mean that the insurance provider will cover the costs of an accident to matter who was responsible. Ditto for the other driver.

The State of New York has national legislation for a number of minimum requirements in relation to any liability insurance policy: Uninsured Motorist ($25,000 per person and $50,000 per accident for injury; and $50,000 per person and $100,000 per accident for death); Property Damage ($10,000); Bodily Injury (same as for Uninsured Motorist); Basic No-Fault ($50,000). Also, a company based outside of New York is not eligible to ensure drivers in New York.

If you're tired of paying too much for car insurance, you've come to the right place. Here can let you compare New York auto insurance quotes. This website also can help you compare cheap car insurance for teenagers and save it today!