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New York Auto Insurance Rates

New York auto insurance rates are based upon many factors.  With the requirement of mandatory auto insurance coverage in New York you need to know your best rates, so you can get the best deal on coverage.

Auto insurance rates vary form state to state so what may be the lowest in one state may not be the same in New York.  That is something you have to be aware of.

Additionally, you have to make sure that you get adequate auto insurance coverage under New York law whatever the rates you pay. 

Basics Of New York Auto Insurance Rates 

Auto insurance is state regulated.  Not every insurance company is going to be licensed to sell insurance in New York state.  You have to make sure that before you start dealing with a company that they can legally insure you in New York.

Another thing you need to keep in mind about New York auto insurance rates is that they are largely based upon your geographical location.  Where you live is a great influence on just where your rates will start.

You may not have control over some of these factors because the rates are based on things like the accident rates and the number of claims from your particular location.  It is worth knowing these statistics so you can be prepared when shopping for insurance.

By knowing this information you will be able to get an idea of the minimum starting point for your NY car insurance rates. 

Types Of New York Auto Insurance Rates 

You need to be aware of the different types of rates that you will get from insurance companies.  Each company is different. You may get rates based on a six month policy or ones based on a twelve month policy. If you’re not aware enough to understand what the rates you are presented with represent, you’re much more likely to be sucked into a poor policy.

Additionally, each company will have different payment options.  Some may have you pay monthly while others may only have you pay every three months.

It is very important to understand the different types of rates so that when you are shopping around and getting quotes you keep an eye out for the type of rate so that you can compare them properly.

New York Auto Insurance Rates FAQ’s 

You probably have many questions about auto insurance and auto insurance rates.  That is not surprising.  Here are some common questions that may help clear up the details for you:

  1. Do I have to have auto insurance on a vehicle that is being used in another state?  The answer to this is yes, if that vehicle is registered in New York state.
  2. If I have problems with my insurance company and switch to another company will my registration be suspended during the switch?  The answer is yes if you allow any lapse in coverage where you are without insurance.
  3. Is there an alternative to turning in my license plates upon termination of my insurance? Yes, you are allowed to pay a fine instead.
  4. Why did my insurance rate go down when I moved even though nothing else about my situation changed?  Your rate went down to the fact that insurance companies use geographical location as part of determining your rates.  You likely moved to an area where claims and accident rates are lower.

Getting Lower New York Auto Insurance Rates

There are many factors that a company will consider when giving you an auto insurance rate quote.  Some of these factors you can not control, but other you can.  Here are some things you can do when you want to get a lower car insurance rate:

  • Keep your driving record clean.  This means avoid moving violations and accidents which make your insurance rates go up.
  • Clean up your credit record.  Try to fix debt problems as best as possible.
  • Choose a family vehicle.  Sports cars and larger vehicles are more expensive to insure.
  • Get a policy for drivers over the age of 25 and get teens a separate policy because insuring people under the age of 25 is more expensive.
  • Combine your insurance needs with one company so you can get discounts on your rates. 

Quotes On New York Auto Insurance Rates 

Now that you know what you need to get a good car insurance policy in New York, you are ready to start shopping around and getting insurance rate quotes.  You can use our easy quote tool to get fast quotes and the best New York auto insurancerates today.

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