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New York Car Insurance Quote

New York has always striven to be greater and better than standard, and it's people and city skylines reflect that New York City is among the greatest cities on Earth. The state motto "Excelsior," or "highest", reflects that, and auto insurance in the state strives to follow that motto as much as any other. If you're lucky, it'll mean a higher standard of service and not higher insurance rates.

Often, the best way to find great deals on car insurance in New York or elsewhere is to find rates online. One of the best ways to do that is On, you can compare rates from different companies and find the best coverage plans for your money. You can use to find great rates whether you live in New York or any other state in the union.

In 2003, the average insurance premium in New York was $1,313 for residents. That's almost $400 more than the national average of $914. Many people believe that these rates are fixed by the companies and by the government. This false belief leads to a failure to check options that failure means that you end up paying far more than you need to on your car insurance.

In 2007 car insurance is expected to go down for the first time since 1999 by up to a full percent. A big part of that change is the growth of online comparison sites like Sites like that make competition a lot heavier among various car insurance companies, and that competition drives prices down across the board.

Rates can change either way over the years, especially in a place like New York. In that state specifically rates have gone up over twenty percent in three years, from $1,094 in 2000 to $1,313 in 2004! Fortunately, you don't have to waste your money on high insurance rates just get on today to start finding the best coverage plans for your money today.

In New York, car insurance works by a No Fault system. That means that your insurance company will pay your injury claims regardless of who's at fault in an accident, and will cover injuries up to a certain limit. That system varies from state to state, so do some further research to find out about the No Fault system in New York.

According to New York state law, there must be a minimum Bodily Injury Liability coverage of $25,000 per injured person, with a total of $50,000 per accident. There also must be Property Damage Liability with a minimum of $10,000. This simple plan is usually referred to in the industry as 25/50/10 coverage.

Reasonable and necessary expenses incurred by you and your passengers in an accident are covered by something called PIP or Personal Injury Protection. In New York, the minimum PIP coverage amount is $50,000.

Sometimes accidents are caused or participated in by drivers who are uninsured. To help protect against damages caused by those kinds of drivers, New York State law requires a minimum of Uninsured/Underinsured Motorist coverage of $25,000 per person and $50,000 per accident to account for damages caused by uninsured drivers.

No matter what your driving record is, though, can help you save money and get the best possible coverage plan for whatever amount of money you're willing to spend. No matter where you live in the Empire State, you can always be sure of getting good rates by looking for them online at

You can also find good car insurance rates in other states beside New York. At, you can find great rates no matter where you live in the fifty states. To get a quote for another city or state, type in your zip code above or click on your state in the list below.
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