New York has some of the busiest roads in the United States, so if you are living or driving in the state or the city, you really need a strong and reliable car insurance policy to ensure the safety of your family, as well as yourself. Having a copy of your car insurance certificate is also mandated by law. If you are just about to acquire a new policy, or are planning to switch insurance companies, you need an NY car insurance quote in order to have an idea of which company has the best offer for you out there.
Insurance rates are higher in New York compared to other states or cities. As of 2009, the average premium being paid for car insurance was $2,432 versus the national average of $1,794. However, the actual premium that you are going to pay for can vary depending on a number of factors, from your age, to your family, to your driving history, to the streets where you will be frequently driving in, and up to the type of vehicle that you drive. Prepare documents to show these information when you go looking for an NY car insurance quote.
When you read the terms of the company, make sure that the coverage plan can vouch for 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 and it is the law minimum. Since New York follows a no-fault system, it is not really necessary to have exorbitant premiums to pay for damages caused to other parties, since in car accidents, each party will be paying for his or her own damages. But your insurance policy should have clauses for paying for damages that your vehicle will cause to third parties or passengers harmed by your vehicle.