New York Auto Insurance Guide

If you're thinking about getting auto insurance in New York, there are several different factors you must consider as you go about the process. First, you need to familiarize yourself with auto insurance requirements in New York. Each state has its own auto insurance laws, which means that there could be required auto insurance coverage that you don't even know about. Remember that InsuranceRate.com can assist you in getting an insurance quote today.

New York Car Insurance Regulations

In New York, you must get insurance before you register your vehicle. In fact, you have to present proof of insurance before you can even get license plates for your car.

You also must carry proof of insurance in your car at all times - your insurance company will give you an insurance identification card that you can carry in your vehicle's glove box.

In addition, New York's insurance department monitors when your coverage lapses through an online database. Your insurance company is required to notify the state if your policy is canceled - and that means the state will know if you're driving without insurance. As a result, be sure to continue your coverage, and pay your bills on time. If you fail to comply with state policies, your registration could be suspended.

Mandatory Minimum Coverage in New York

In New York, all auto owners must get at least this minimum coverage to drive in the state legally:

Liability insurance: $25,000 per person, $50,000 per accident and $10,000 for property damage.

Other mandatory coverage: Personal injury protection, uninsured motorist coverage, wrongful death coverage. New York is a no-fault state.

Motorcycle Coverage Requirements

If you are a motorcycle driver, remember that you are responsible for following the motor vehicle laws just as someone who's driving a sedan. You also could be subject to additional laws and coverage requirements as the state prescribes. Your insurance company will work with you to obtain the best coverage for your needs. Be sure to mention that you are a motorcycle rider.

New York specifically defines which types of two-wheeled vehicles require insurance, and which do not. If you ride a motorcycle, you will need to have liability insurance. But if you own a go-kart or a dirt bike, your vehicle does not fall under the same requirements. Never assume that your vehicle passes the threshold for insurance - ask your insurance company first.

New York Auto Insurance Advice

Remember that when searching for insurance, simply looking for minimum coverage is not recommended. Instead, look for coverage that is comprehensive and far surpasses a state's minimum requirements. This will provide you with the best protection.

If you are concerned about the cost of comprehensive insurance, InsuranceRate.com is here to help. By filling out the form, you'll quickly get a no obligation quote. Compare it to other quotes so you can find the best coverage to meet your personal needs.

If costs remain a worry, there are some strategies you can employ. Try raising your deductible, which will lower your premium. You also can look into combining your existing home insurance coverage under the same insurer - some insurance companies offer multi-policy discounts.