Auto Insurance Quotes New York State and New York City, NY

New York is one of those states that you would not think would have a lot of auto insurance policy requirements, for everyone actually takes the mass transportation system, but if you are looking to get auto insurance in this particular state, you do need to know the requirements and that is what we are going to go through here. New York auto insurance is not hard to find, but you want to ensure that you are following the right minimums in order to get the very best deal for the money you are spending.

New York state law requires 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 is just the start of what you should be looking at, for this is the law of what you have to have in your auto insurance. That does not mean that your auto insurance premium is going to be extremely high though, especially if you are shopping smart for your auto insurance policy.

New York is actually one of the No Fault states and what this means is that your insurance company will actually pay the payments for your injury no matter who is at fault, of course up to a certain limit. One thing to keep in mind whenever you are dealing with a no fault state is that you actually can lose some of your rights to sue under the no fault system, so if you are seriously hurt, you may not have the option to sue the other person that is involved in the accident.

This is where your personal injury protection is going to come into play, this is actually something that you can add onto your insurance policy and something that actually assists you with the payment of reasonable and necessary medical expenses for you and your passengers. New York state law actually requires you to have a minimum of $50,000 of this particular insurance whenever you are driving a car in New York.

Now that you know some of the minimum requirements that you have to fulfill whenever you are getting car insurance, the next step is going to be actually looking up a premium. This is where it can get a little tricky, as many people do not know exactly how to look up car insurance premiums and do not know how to make sure that they save a little money on their premium. That is what the internet is for though and that is what we are going to discuss next!

The internet is a fantastic place to ensure that you are looking at the most up-to-date information and to ensure that you are actually looking at quotes that are brand new. It is also a great place for you to compare and contrast a lot of the quotes that you receive. What this means is that you can comparison shop right in the confines of your own home!