What is Auto Insurance?

The purpose of having your car insured is to save you from financial loss if your automobile is stolen or in an accident. Your insurance company provides you with a premium, which you pay so that they will cover your losses as the policy you have chosen allows.

Almost every state requires you to have adequate insurance on your car before you can drive. You must always purchase at least the state minimum requirements of insurance. The recommend coverage according to the Insurance Information Institute is $100,000 of bodily injury protection per person and $300,000 per accident. Before you decide to purchase your car, check on the cost for insurance, the premium is based on the cost of the car and repairs as well as the safety of the car. Visit www.safecar.gov to find out how safe your car is.

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How are New York Auto Insurance Premiums determined?

In 2005 the nationwide average annual combined premium (liability, collision and comprehensive) was $949. You will probably not be surprised to learn that New York is the 3rd highest in the United States for average combined premium, with an average cost of $1262.50 per year according to the National Association of Insurance Commissioners. The price for each state is determined by the state’s driver’s behavior as a whole, and the percentage that you pay is calculated by factors such as driving record, age, your car, and your location. Don’t look for a quote on just the price alone, you want to make sure you find an agent that will take the time to answer your questions and will handle your claims quickly and efficiently. Keep in mind that you will be dealing with the agent in emergencies and accidents.

What are New York’s Requirements for Auto Insurance?

New York state Requirements for auto insurance are: Bodily Injury Liability: $25,000/$50,000 Limit, Property Damage Liability: $10,000 Limit,Uninsured / Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit and Personal Injury Protection: $50,000 Limit. Visit the New York State Department of Motor Vehicles to understand your state’s requirements.

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