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Cheap car insurance in new york

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We originally started out with the 3 best ways to get cheap car insurance however our customers wanted to know even more ways. So we have compiled a list of 25 ways to get cheap car insurance below.

1. Comparison Shop

Finding the most affordable car insurance isn’t as hard as it once was. With so many different car insurance agents located all around the country, and some available exclusively online, your options are now more plentiful than ever before. The hard part is sorting them out in order to make sure you are getting the most affordable rates while still maintaining the exact amount of coverage you need.

The first thing you should do when looking for cheap car insurance is comparison shop. Consult your area’s local phone book, call or visit agencies near you, and remember to take notes regarding prices.

Next you’ll want to do some online research to find out your online car insurance options. Again, take notes and compare these to the notes you have concerning local agents.

Finally, ask your friends and family members what insurer they use, and ask for any recommendations or warnings they may have about other agencies. You’re sure to receive an unbiased opinion every time.


2. Age-Based Discounts

Many younger drivers may not realize this, but your age is an important factor in setting the exact price of your auto insurance premium. You’ll typically see premiums lowered once you hit the age of 25, with discounts that can sometimes be as high as 20%, though other factors such as marital status and driving record are also taken into consideration.

The lowest premiums associated with cheap car insurance rates are typically given to drivers between the ages of 25 and 55. This age group is considered to be amongst the safest drivers on the road; certainly safer than teenagers and elderly drivers.

3. Move to a Lower-Crime Area.

The location of your home as well as your daily commute to the workplace is also taken into consideration by insurance agents when determining your car insurance premiums. This is a factor for a number of good reasons.

Individuals who live and park their car in wealthy neighborhoods are statistically less likely to have their car stolen, broken into, or damaged while it is parked overnight. Secondly, those who have shorter commutes to and from work are statistically less likely to be involved in an accident as they spend less time on the road than drivers with longer commutes.

4. Consider Getting a Different Vehicle if Savings Warrant it

Did you know that insurance on a honda can be more expensive than insurance on a Jaguar?

The exact make and specific model of your vehicle is also used to determine how much you pay for cheap car insurance. This information is important to your insurance agent for a number of reasons.

RELATED: Technology a Big Problem for Vehicle Reliability

The newer the car, the higher the repair/replacement cost.

On the other hand,  some vehicles are simply more reliable than others. A used vehicle that’s been on the road for 20 years is not nearly as reliable as a brand new car. Though it may be more affordable to buy the older, used car, you may wind up paying higher insurance rates because of it.

Owners of sports cars and luxury vehicles can also expect higher premiums than most other drivers.

5. Increasing Your Deductible Can Save You $100’s a Year

A deductible is the amount of money you are actually required to pay out in the event of an accident before your insurer will pay out on your claim. The amount of your deductible is also one of the biggest factors in determining your auto insurance premiums. In fact, the larger this deductible is, the less you’ll have to pay for coverage on a month-to-month basis.

Most drivers don’t realize this, but most agents will actually allow you to raise the deductible amount in order to lower your monthly rates. If you’re looking for cheap car insurance then this is a good deal for you; especially if you have a clean driving record as you may not ever have to actually pay this deductible.

6. Consolidate Your Policies With One Company

If you currently have multiple insurance policies through several different companies then you may be able to consolidate them so you just have to deal with one insurance agent. For example, many individuals have separate policies on their house, their car, and maybe even a boat or recreational vehicle.

Combining all of these separate policies into one, or at least choosing one company to handle all of your policies, can eliminate a number of hassles. It can also lower the amount of money you pay each month for insurance all around.

7. Check For Multiple Vehicle Discounts

Many individuals own multiple cars, and most of these owners keep insurance on all of their vehicles year round. Others may own seasonal cars, show cars, or other vehicles that are only brought out on rare occasions.

Totalled car no insurance

If you own multiple vehicles for whatever reason, you can consolidate them all onto one insurance policy when looking for cheap car insurance. The benefits of this include less paper mail being sent to your house as well as a reduction in your insurance premiums each month.

Multiple drivers can also be added to an insurance policy, allowing you to further reduce your auto insurance premiums.

8. Stay Loyal

Loyalty means a lot in any business, and the car insurance business is no different. In fact, many auto insurance companies are now offering reduced premiums as a way of rewarding some of their most loyal customers.

When looking for cheap car insurance, agent loyalty can be your best friend. Once you find an insurance company that offers the amount of coverage you need for the right price, develop a relationship with them.

Loyalty also relates to making your payments on time. Paying your premiums on or before the due date every single month will help you avoid late fees and additional fines or charges.

9. Get Liability Only if Your Car is Older

Most drivers automatically opt for full coverage on their vehicles when in reality, not every one of us needs full coverage. If you’re looking for cheap car insurance, try to find a policy that covers only the areas you need and nothing more.

If you already have full coverage insurance, it’s never too late to ask your agent for a decrease in coverage. Towing fees and rental car fees that are covered by a policy may sound good, but if you have a second car then you might not ever need to use a rental car. Furthermore, some individuals may hold memberships elsewhere that grant them access to reduced towing or automobile service charges.

10. Get Storage Insurance if Your Not Driving a Vehicle Year Round

If your vehicle is used as a seasonal vehicle or a show vehicle you may not require full insurance year round. For vehicles that are put in storage for any amount of time, storage insurance is your best option for cheap car insurance.

CHECK OUT: Are You an Aggressive Driver?

Note that this type of insurance is not legal for driving on, though it will pay out in the event your vehicle is damaged during storage. Depending on the exact make and model of the car in question, and depending on the type of damage that has been done, repairing the vehicle without insurance may end up costing you thousands of dollars in out-of-pocket expenses.

11. Improve and Fix your Credit Score

Your credit score affects many different things in your life, not the least of which is your auto insurance rates. If you’re looking for cheap car insurance, one of the best things you can do is clean up your credit score; it may be costing you thousands of dollars annually on your car insurance payments.

Keep your credit score clean by paying bills on time, paying back loans on time, and avoiding maxing out your credit cards. Bounced checks and bank overdrafts can also hurt your credit score, not to mention your pocketbook as well.

12. Clean Your Driving Record

Maintaining a clean driving record is the key to getting dirt cheap car insurance from your agent. Your first accident alone may result in as much as a 40% increase on your monthly premium, so driving carefully while on the roadways really can help keep your auto insurance as affordable as possible.

Most auto insurance companies offer a discount for safe drivers, though the exact definition and criteria of “safe” driving and a “clean” driving record will likely vary from agent to agent and company to company. Remember that agents aren’t likely to bring this discount up on their own, so don’t be afraid to ask them about it as long as you feel you have the clean driving record to back it up.

13. Vehicle Safety Issues

The safety of your vehicle will also be taken into consideration by your agent when you are trying to get cheap car insurance. The technology and features seen in newer vehicles make them far safer than older vehicles, so you can get a start on lowering your premiums either by having updated safety features professionally installed into an outdated vehicle, or simply by purchasing a more recent car.

Things to look for when taking vehicle safety into mind include automatic seatbelts, as this feature almost guarantees that both the driver and passenger will be wearing their belts at all time, and both driver-side and passenger-side airbags.

Airbags in the rear seats of the vehicle can also help to improve the safety rating of your car, thereby lowering your monthly car insurance rates in the process.

14. Get a Security Device

Exactly where you park your car at night is a big factor when calculating your auto insurance premiums, but having advanced vehicle security may also be factored in. If your vehicle is already equipped with a modern, functioning alarm system, mention it to your agent; you may be able to get a reduced premium because of it.

If your vehicle doesn’t already have an alarm and you want cheap car insurance, it may be worthwhile to pick up a brand new system and have it installed. Today’s vehicle alarm systems are not nearly as expensive as they used to be, they are quick and easy to install for anyone with common automotive knowledge, and they can save you a lot of money not only on your car insurance, but in case someone tries to break-in to your vehicle as well.

15. Park Off-Street, or Even in a Garage

While vandalism is more obvious in certain parts of the country, there is no doubt that the trend is on the rise throughout the entire country. Unfortunately, one of the top targets for today’s thieves and vandals include cars that are parked out in the open and left unlocked and unattended. They are the easiest targets to hit, and many drivers have trouble finding cheap car insurance because of it.Cruise travel insurance for over 60s car

If your car is parked in a private garage on your property, however, you are likely to see a sharp decrease in your auto insurance coverage. This is not to say that a garage is a foolproof method of protecting your vehicle or your property, but it can help deter thieves.

Insurance agents know this, and they’re willing to charge you a little bit less if you are able to park in a garage at night. Even a simple carport may help lower your insurance rates; it never hurts to ask.

16. Verify Accuracy on Your Policy

It never hurts to browse through your insurance policy to make sure everything is correct. Make sure you are being given the right amount of coverage and paying the right price for your premiums. You’ll also want to make sure that your personal information is all accurate, as an error here could end up costing you money every month.

If you want cheap car insurance, it is crucial that you take your time and double-check all of your information. If you find any kind of errors, make sure to report these to your insurance agent as soon as possible, preferably immediately. Some of the most common errors include birth date and marital status errors, but these two mistakes are also amongst the most costly. Be certain that this information is accurate in order to receive the absolute best car insurance rates from your insurer.

17. Retirement Discounts

Depending on the exact area in which you reside, retirement typically comes at 55 or 65 years of age. Certain insurance agents offer discounts to retired drivers, and this is done for a variety of reasons.

Firstly, retired drivers usually spend less time on the road than most other drivers. Without a daily commute to and from work, retirees typically put far less mileage on their vehicles than drivers who have to drive to work and home each day.

If you want cheap car insurance and you are 55 years of age or older, don’t be afraid to tell your insurance agent. A retiree discount can make a huge impact on the amount of money you pay each month, but many don’t even realize this. Again, this is a benefit that isn’t typically offered outright by your agent, so you’ll need to ask about it in order to gain the discount.

18. Affiliate Discounts

Nearly every car insurance company offers different discounts based on your personal group affiliation. Like with most other discounts, this one is not usually advertised by your insurance agent. Never be afraid to mention the groups you are a part of and ask your agent if there any discounts available for you.

The most common group affiliations cited to receive discounts on their auto insurance include your work, college or university, military organizations, and many more. No matter how small or unknown the group or organization may seem to you, don’t hesitate to ask about a discount; it could be your ticket to cheap car insurance through the insurer that you already use.

19. Take An Advance Driving Course

Driving classes are offered by a variety of organizations, both public and private. If there are any types of driving classes available through your insurance agent, you may want to consider attending and completing them in order to find cheap car insurance through an existing insurer. If you are unaware of any classes being offered in your area ask your agent; they’ll be glad to help.

Be aware that if you take a class and fail, however, you may end up with an increased insurance rate instead.

20. Get Good Grades & Ask For Student Discounts

Getting good grades is important in school, but it can also help lower your auto insurance premium as well. In fact, if you are looking for cheap car insurance one of the best things you can do is succeed in school.

It doesn’t matter whether you are a teenage driver still in high school and driving under a parent’s policy or a student in college with your own vehicle and insurance, there are usually many discounts available to you for receiving good grades.

21. Drive Less: Walk, Bike, Carpool, Take Public Transportation

The amount of time you spend on the road, as well as the actual mileage you put on your vehicle can also be factored in when determining your cheap car insurance premium as well. If you don’t drive very often and don’t put many miles on your vehicle, then you’re likely to be eligible for a rate reduction.

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Like with many of the other methods that can be used to decrease your premium, however, you’re going to have to ask for this discount specifically.

Auto insurance discounts for low mileage are more actually more common than you might think. Insurance companies realize that there’s not as much risk involved with drivers who aren’t on the roads very often, and they’re usually willing to adjust your rates accordingly.

22. Make Larger Payments on Your Premium

You have more control over the specific payment arrangements that are made with your agent than you may think. In fact, you can actually choose to pay off your entire premium, either on a 6 month or yearly basis, and save quite a bit of money in the end.

Of course paying in full isn’t always a viable option in every scenario, and some have no choice but to make monthly payments. Some even struggle to make that.

Many people don’t realize this, but if you are making monthly payments to your insurance company then you’re not getting the cheap car insurance that you should be. Don’t be afraid to ask your agent about paying in full. You’re likely to see a smile on their face as well as receive a good discount on your car insurance.

23. Verify VIN Accuracy

Many drivers don’t know this, but if the VIN (vehicle identification number) of your car is off even by one digit, then you’re probably not receiving the correct auto insurance quotes. The VIN is used to identify your vehicle, and is unique to each specific vehicle. It is also used by law enforcement to positively identify your vehicle in a wreck or if it is stolen. If your VIN is entered incorrectly you might be getting overcharged through absolutely no fault of your own and without even knowing it.

RELATED: What to Do After a Parking Lot Accident?

Being aware of your vehicle’s exact VIN and double-checking its accuracy on your specific policy is something that few drivers do, yet something simple that nearly everybody can benefit from. VINs vary greatly, though all cars manufactured after 1980 feature VIN consisting of 17 characters.

24. Review your Policy for Unnecessary Add-Ons.

Since automobile insurance companies are far more numerous than they were just 10 years ago, some companies have started offering benefits and plans that are aimed at helping the driver. However, many of these packages are added to your normal insurance policy automatically and with your knowledge, and some of them aren’t even worth the amount of extra money you’ll have to pay on your insurance premiums.

Some plans offer to replace your car with a new one of equal value if your car is wrecked in an accident, but this is actually referring to the value of your car at the time of the wreck and not at the time of the original purchase. Factor in depreciation, and you’re looking at recouping only a fraction of what you paid for your car.

25. Go Green!

With global warming and other environmental concerns more publicized than ever before, “green” vehicles are now being pushed as replacements for our modern vehicles that are already on the road. In order to add an increased incentive for purchasing one of these environmentally-friendly vehicles, many car insurance companies are offering lower auto insurance premiums to owners of “green” or environmentally-friendly vehicles.

While the cost of a new vehicle might not be worth the lower premium, if you are in the market for a new car then you may as well buy an energy efficient model. Not only will it help save the environment, but it will also help you find cheap car insurance rates that you might not have had access to otherwise.

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Everybody wants cheaper car insurance, but how do you actually find it?

Compare car insurance quotes from multiple companies to find the best coverage and price. Focusing solely on the lowest insurance rates is a mistake if you go without the coverage you need, so you should understand how to compare car insurance before making a decision. The whole point of insurance is to stand between you and financial disaster.

However, with a little research, you should be able to find cheaper auto insurance without sacrificing important coverage.

  • Comparison shop
  • Bundle your auto and home insurance policies
  • Raise your deductible but keep it affordable
  • Ask for every discount that applies to you
  • Buy the right type of car
  • Keep a clean driving record
  • Don't buy unnecessary insurance coverage
  • Consider buying just the state-required minimum liability coverage

1. Comparison shop

Sometimes, you'll get the best deal with your current car insurance company. But in many other cases, the road to the cheapest car insurance policy will take you elsewhere.

In general, the more you pay for car insurance, the bigger the difference between insurance companies' rates. Every company calculates its own price, and they often differ by hundreds or even thousands of dollars.

Comparison shopping can help you uncover cheap car insurance companies and auto insurance discounts. How often should you compare car insurance quotes to find the lowest premiums? Experts generally suggest looking around at least once a year -- but certainly at these times, when your rates are most likely to change dramatically:

  • Purchasing a new or different car
  • Combining cars on a multi-car insurance policy
  • Adding or removing a driver
  • Marriage
  • Divorce
  • Moving
  • Adding a teen driver
  • Home purchase
  • DUI or major violation - review DUI insurance
  • Accident
  • Change in credit score

For more information, see "7 reasons your car insurance rates drop."

2. Bundle your policies

You already get cheaper rates if you are married or a homeowner because married people and homeowners tend to file fewer claims. But you can save even more by purchasing your home insurance and auto insurance policies from the same provider.

According to data gathered for Insurance.com by Quadrant Information Services, the nationwide average car insurance discount given for bundling home and auto insurance is 8 percent. By bundling renters and car insurance a discount also applies, with the nationwide average being around 5 percent. The nationwide average homeowners insurance discount given for bundling is 20 percent.

If you insure more than one car on your policy, you get a multi-car discount. Expect 10 to 25 percent savings off your collision, comprehensive and liability premiums.

3. Raise your deductible

Simply raising your deductible from $250 to $500 can lower the collision or comprehensive portion of your premium by about 20 percent, according to the Insurance Information Institute.

Remember, though, that a higher deductible means more money out of your pocket in the event of a claim. Cheap insurance can become expensive fast if you have to pay your deductible with a high-interest credit card. (See "How much can I save by raising deductibles?.")

4. Get all discounts for which you qualify

Is your daughter a straight-A student? You may qualify for cheaper car insurance by obtaining a good student discount. Does your car have anti-theft deterrents? Your insurer may give you a price break because the car is less vulnerable to theft.

Understand all the car insurance discounts you may qualify, so that you can get the cheapest insurance.

5. Buy the right type of car

If you're shopping for new wheels, your choice of automobile can play a big role in getting lower insurance rates. Cars that cost less to repair or replace generally receive lower premiums.

You'll also get better rates if your car has certain safety features. Insurance companies often give discounts for features such as anti-lock brakes, side airbags and automatic safety belts. Anti-collision technology is becoming popular in new vehicles; if your car is equipped with the new tech ask your agent if any discounts are available.

6. Avoid tickets and accidents

A poor driving history can easily disqualify you from getting the cheapest car insurance. Insurers will check your record to see if you present a high level of risk. Speeding tickets, accidents, drunk driving citations – all can drive your insurance rates higher.

Drive sensibly and cautiously and you'll be on the way to cheap car insurance by avoiding surcharges and receiving a good driver discount. (See "How much will a ticket affect my insurance rates?")

7. Don't carry unnecessary insurance coverage

If you have an old beater, reduce your car insurance costs by dropping comprehensive and collision coverage. When should you make this move toward cheaper auto insurance? Many experts say it's time to drop these coverages when the actual cash value you’d receive for your vehicle doesn’t justify the insurance expense. Insurance.com auto insurance coverage calculator>

Have an extra car in the household you can use if yours is in the shop due to an auto accident? If so, skip rental reimbursement coverage.

Also, don't pay extra for personal injury protection or medical payment insurance (if they aren’t required by your state) if your family already has a good health insurance plan.

8. Consider buying just the state-required minimum liability coverage

One way to get the cheapest car insurance available is to buy “bare bones” coverage, which typically is liability insurance at the lowest legal limits required by your state to legally drive a car. If you cause an accident, it pays for others’ property damage and medical bills and that’s it. It's important to remember that if you cause even a minor accident, minimum liability coverage probably won't be enough to pay for all the damage. That means you'll be paying out of your own pocket. Still, if you want to save money and your car is old or you don't drive much, it is one path to lower rates.

Liability limits are usually written like this: 30/60/25. In this example, using Texas minimum requirements, the numbers show coverage that would pay:

  • medical expenses of up to $30,000 per person
  • medical expenses up to $60,000 per accident
  • up to $25,000 for property damage

Here are average annual rates for the cheapest car insurance coverage in every state, according to a rate analysis by Quadrant Information Systems for Insurance.com.

Minimum car insurance rates by state

StateMinimum car insurance requirementsMinimum car insurance average rate
Alaska 50/100/25 $426
Alabama 25/50/25 $638
Arkansas 25/50/25 $616
Arizona 15/30/10 $600
California 15/30/5 $723
Colorado 25/50/15 $646
Connecticut 20/40/10 $1,097
DC 25/50/10 $1,054
Delaware 15/30/10 $1,520
Florida 10/20/10 $1,058
Georgia 25/50/25 $743
Hawaii 20/40/10 $386
Iowa 20/4015 $403
Idaho 25/50/15 $546
Illinois 25/50/20 $543
Indiana 25/50/10 $633
Kansas 25/50/25 $526
Kentucky 25/50/10 $607
Louisiana 15/30/25 $909
Massachusetts 20/40/5 $866
Maryland 30/60/15 $958
Maine 50/100/25 $513
Michigan 20/40/10 $2,446
Minnesota 30/60/10 $864
Missouri 25/50/10 $506
Mississippi 25/50/25 $639
Montana 25/50/20 $467
North Carolina 30/60/25 $385
North Dakota 25/50/10 $512
Nebraska 25/50/25 $472
New Hampshire 25/50/25* $587
New Jersey 15/30/5 $1,086
New Mexico 15/50/10 $612
Nevada 15/30/10 $641
New York 25/15/10 $891
Ohio 25/50/25 $579
Oklahoma 25/50/25 $712
Oregon 25/50/20 $1,007
Pennsylvania 15/30/5 $560
Rhode Island 25/50/25 $1,026
South Carolina 25/50/25 $654
South Dakota 25/50/25 $431
Tennessee 25/50/15 $656
Texas 30/60/25 $783
Utah 25/65/15 $629
Virginia 25/50/20 $536
Vermont 25/50/10 $487
Washington 25/50/10 $671
Wisconsin 25/50/10 $578
West Virginia 25/50/25 $669
Wyoming 25/50/20 $410

Methodology: The table shows the average annual rate of 10 ZIP codes in the state for minimum coverage from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. In some states, uninsured motorist coverage and/or personal injury protection coverage is mandatory in addition to liability. For those states, these coverages are included in our average rate shown in the chart, though we list just the state minimum levels for liability. Data was provided for Insurance.com by Quadrant Information Services. New Hampshire doesn’t require drivers to have car insurance, but most drivers do, and we’ve listed what is mandated if you choose to carry coverage.

Watch for pitfalls in coverage

You can only go so far with discounts and comparison shopping. Some carriers can provide you a lower rate, but they do it by limiting coverage in ways you might regret in the event of an accident.

For example, some companies limit coverage of permissive drivers or don't cover them at all. That is, if you lend your car to a friend who has an accident, your liability limits might be reduced or the claim might not be honored. The same discount policies might not extend to a rental car, as standard policies do.

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New York Car Insurance

In New York, you are required to have several types of car insurance. Luckily, you can get a discount on your car insurance premium just for taking a driver safety class.

Read more to learn all about New York car insurance requirements, options, and programs.

Car Insurance Requirements

New York mandates that all registered vehicles in the state carry the following:

  • Liability car insurance.
  • No-fault auto insurance.
  • Uninsured motorist insurance.

Liability Insurance

Your liability car insurance policy must have the following minimums:

  • $25,000 for injuries to one person.
  • $50,000 for injuries to multiple people.
  • $50,000 for death to one person.
  • $100,000 for death to multiple people.
  • $10,000 for property damage.

Liability car insurance only pays for accident-related damages and injuries you caused to someone else. Liability does not cover your own personal costs.

No-Fault Insurance

New York also requires that you have no-fault coverage, which helps you with costs after an accident regardless of who was at fault.

New York basic no-fault coverage includes a limit of $50,000 per person to cover the following:

  • Your accident-related medical expenses.
  • 80% of lost income due to injuries from a car accident, with a limit of $2,000 per month for up to 3 years.
  • Up to $25 a day for expenses such as household help (for up to 1 year from the date of the accident).
  • A $2,000 death benefit on top of the $50,000 limit.

No-fault insurance will cover your medical costs after an accident before your health insurance. If your medical costs exceed your no-fault coverage limit, your health insurance will then kick in.

Uninsured Motorists Coverage

In New York, you are also required to have uninsured motorists coverage to cover costs relating to injuries resulting from a car accident. The minimum uninsured coverage you must have for bodily injury is:

  • $25,000 for injuries to one person.
  • $50,000 for injuries to multiple people.

Uninsured drivers coverage will not cover property damage.

You also have the option of purchasing SUM (Supplementary Uninsured/Underinsured Motorists) coverage, based on the limits of your own policy, up to:

  • $250,000 per person, per accident.
  • $500,000 per accident.

Proof of Insurance

Your car insurance company will give you insurance ID cards that can be used as your proof of insurance. When registering your car, you will need to give one of your insurance cards to the DMV. Your other card should be kept in your car.

Your car insurance company is required to electronically notify the DMV of your car insurance coverage. When you register your car, the DMV will verify your car insurance with the electronic notice and your insurance card. The DMV will not verify your proof of insurance with just your insurance card.

If a police officer pulls you over and asks for your proof of insurance, you must show your insurance card.

Your insurance carrier should provide you with new insurance cards whenever you renew your car insurance policy.

Optional Car Insurance

You have the option of purchasing higher amounts of coverage for the required policy types: liability, no-fault, and uninsured motorist. Plus, you can purchase any of the following optional types of coverage:

  • Collision – This will cover damages to your car after an accident with another car.
  • Comprehensive – This will cover damages to your car that might happen after an incident not involving a car accident, such as vandalism.
  • Medical and funeral services.
  • Towing and labor.

NOTE: Collision and comprehensive coverages are not required by New York; however, if you have a car loan or are leasing your car, your finance company will require you to have collision and comprehensive car insurance.

Violation Fines and Penalties

If you do not have car insurance, you must surrender your car's license plates to the DMV immediately, or else your car's registration and your driver's license will be suspended indefinitely.

If you have a lapse in car insurance—for example, time between canceling your current car insurance and buying another plan—you must also surrender your car's plates to avoid suspension of your vehicle's registration.

Your driver's license will also be suspended if your lapse of insurance coverage is longer than 91 days and you did not surrender your plates. To reinstate your suspended driver's license, you will have to pay a fee of $100.

Avoiding Suspensions

The easiest way to avoid having your car registration or driver's license suspended when you don't have car insurance is to surrender your vehicle plates to the DMV. However, during a lapse of car insurance coverage lasting less than 90 days, you have the option of paying a fine in place of surrendering your plates.

The cost of the fine depends on the length of the lapse in coverage. You can calculate your fine with the following:

  • $8 per day for the first 30 days.
  • $10 per day for 31 to 60 days.
  • $12 per day for 61 to 90 days.

New York Automobile Insurance Plan

If you are having trouble finding car insurance for any reason (such as a poor driving record), you can apply for car insurance through the New York Automobile Insurance Plan (NYAIP).

Through NYAIP, you will be assigned a car insurance carrier that will provide you the minimum liability, no-fault, and uninsured coverages, with the option of purchasing higher coverage amounts.

Prices for car insurance through NYAIP are considerably higher than standard rates, so applying to NYAIP is often considered a last resort.

An insurance carrier assigned to you through NYAIP must offer you coverage for a minimum of 3 years. However, if you find an insurance company willing to sell you a car insurance policy at standard rates, you are free to cancel your NYAIP insurance.

Car Insurance Fraud in NY

New York is one of the highest-ranked states for car insurance fraud. Because of this, New York law enforcement focuses heavily on cracking down on car insurance fraud.

Common types of insurance fraud include:

  • Staging of car accidents.
  • Falsified doctors' reports of accident-related injuries.
  • Falsified mechanics' reports of accident-related damages to a vehicle.

Reporting Car Insurance Fraud

Car insurance fraud costs insurance companies money, which results in higher premiums for everyone.

You can help keep New York car insurance prices down by being vigilant and reporting any suspected car insurance fraud.

You can report tips by:

  • Calling (800) 342-3736.
  • Completing and mailing a Suspected Fraud Report to:
    • New York State Department of Financial Services
      Insurance Frauds Bureau
      One State Street
      New York, NY 10004.
  • Faxing a Suspected Fraud Report to (212) 709-3555.

Most Stolen Cars in New York

Driving a car that is often targeted for theft may increase your car insurance rates.

The following is a list of the most stolen cars in New York for 2015 according to www.nicb.org:

  1. Honda Accord.
  2. Honda Civic.
  3. Ford Pickup (Full Size).
  4. Chevrolet Pickup (Full Size).
  5. Toyota Camry.
  6. Dodge Pickup (Full Size).
  7. Toyota Corolla.
  8. Nissan Altima.
  9. Dodge Caravan .
  10. Chevrolet Impala.

New York Car Insurance Discounts

Everyone is looking for discounts on their car insurance. New York requires insurance companies to offer you car insurance discounts IF your car has:

  • Automatic seat belts or air bags.
  • A factory-installed anti-lock braking system (ABS).
  • Factory-installed daytime running lamps (DRL).

The Point and Insurance Reduction Program

In New York, you can receive a 10% discount in the base rate of your auto liability and collision insurance premiums if you take an accident prevention course through the Point and Insurance Reduction Program (PIRP).

These DMV-approved courses are meant to provide a review of safe driving and traffic laws. The courses are privately run, at least 320 minutes long, and can be taken online or in a classroom (click here for access to online providers).

By taking a course, you can not only qualify for a discount on your insurance premiums but may also be able to reduce up to 4 points on your driving record (if you have any).

The NY DMV offers a full list of classroom and online providers.

You will receive a certificate of completion within 45 days of completing the PIRP course.

You will need to show your certificate of completion to your car insurance carrier within 90 days of completing the course to receive your discount.

If you qualify, your insurance company must discount your insurance for 3 years.

NOTE: The discount can only be applied to one driver per vehicle.

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