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Online Auto Insurance - New York

Shopping for Online Auto Insurance in New York is easy when you compare multiple rate quotes with one simple process. Let OnlineAutoInsurance.com help you find the right carrier for you. Whether you're looking for a great rate, a quality carrier, specific coverage or a combination of all, we can help.

The state of New York requires a vehicle to carry certain auto insurance coverage before it can be registered and license plates be issued. Auto insurance companies are required to report the status of all policies as a way to track down uninsured vehicles. Penalties for having an uninsured vehicle can include the suspension of your vehicle registration or drivers license along with penalty fees.

New York auto insurance law requires the following coverage as a minimum:
Liability Coverage	Protects against any bodily injury or property damage you are liable for as a result of an automobile accident. The limits required by the state of New York are:
	$25,000 for bodily injury coverage per person or $50,000 for any death as a result of injury sustained in an automobile accident.
	$50,000 for bodily injury coverage as a total for multiple persons or $100,000 total coverage as a result of multiple deaths.
	$10,000 coverage as a total for property damage coverage to any vehicle or property.
No-Fault- Personal Injury Protection- (PIP)	Pays medical expenses and loss of wages for injuries as a result of a vehicle accident regardless of fault. This coverage does not provide coverage for your vehicle’s damages.
	$ 50,000 bodily injury coverage per person in your vehicle, including driver and passengers, as well as pedestrians injured by your vehicle.
	There are exclusions to this coverage under a few circumstances. This coverage will not provide coverage if a person: Receives injuries as a result of committing a felony or crime Is driving under the influence of drugs or alcohol Receives intentional self inflicted injuries Is injured while operating or as a pedestrian involved in an accident with a motorcycle or ATV
Uninsured Motorists	Protects you and your family or passengers for bodily injury as a result of an accident occurring in New York State where the person at fault was uninsured or if you were a victim of a hit-and-run accident. Uninsured Motorist does not provide any coverage for your vehicle’s damages.
Uninsured Motorists	The limits of Uninsured Motorist coverage usually are equal to the limits of liability. $25,000 bodily injury per person $50,000 bodily injury per accident as a total $50,000 per person in case of death $100,000 as a total for multiple deaths.

What determines NY Car Insurance Rates

Your car insurance rates may widely vary from another driver’s rates due to the factors used to determine rates. Driver age, driving record, marital status, vehicle garaging address, vehicle information such as make and model, type and frequency of vehicle use are among the many factors used to determine your rates.

Because a driver’s rates can vary so much, it is important to compare NY auto insurance rates from various companies in order to find the carrier which will provide you with the lowest rates for the coverage you need.

Insurers compete between many other companies licensed to provide coverage in NY for your business. Even the New York Department of Insurance suggests obtaining several auto insurance quotes from various carriers in order to find the best value of coverage for your money.

That is why OnlineAutoInsurance.com helps you find multiple car insurance rates with one simple process. You have the ability of comparing carriers on price, quality, brand, claims practices, reliability, service, coverage provided and more.

Buying New York Auto Insurance Online

The state of New York provides tips on buying auto insurance on the internet and recognizes that online auto insurance is becoming a popular way of shopping.

A few tips when shopping online are provided as follows:

Be aware of the product and coverage being provided.
Know what coverage you want in order to compare quotes and make an educated choice.
Make sure your company is licensed to sell in New York State.
When obtaining your quotes, answer all questions asked accurately and completely to ensure an accurate rate.
Have all information available for your vehicle, your prior insurance policy as well as your driving record information.
Do your research in order to ensure you obtain coverage from a reliable source.

New York Auto Insurance Articles
Finding New York Auto Insurance Online

Online Auto Insurance - New York

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