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What are the best prices for car insurance in New York?

Updated: 8/20/2019
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11y ago

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The price of insuring ones car in the state of New York will depend on many factors. Age of both car and driver, model of car, purpose of ownership and the area in which one lives all have a bearing on the price.

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11y ago
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Q: What are the best prices for car insurance in New York?
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Finding inexpensive auto insurance in New York is not always simple. Understanding the state laws can make it easier to find the best coverage when looking for low cost alternatives to replace existing insurance or insure a new vehicle.New York LawsNew York state laws might contribute to the challenges of finding a cheaper insurance because of the requirements relating to registration and minimum coverage. Understanding these factors will make it easier to find an insurance that meets the requirements without having a high cost.The minimum coverage laws relate to liability. New York requires a $25,000/50,000 injury, $50,000/100,000 death and a $10,000 property damage minimum liability coverage. This is the bare minimum consumers can opt for when seeking coverage for a vehicle. The state also requires that the insurance is purchased in the name of the individual who registered the vehicle. If the vehicle is registered in a child's name, the insurance must also be in that teenaged driver's name. This can increase the price due to the lack of driving experience and youth.Comparison ShoppingThe best way to find cheaper prices is shopping around for a new insurance early and comparing various company prices. Comparison shopping is the key to finding reasonable insurance prices in New York state.Comparing prices is possible through online comparison website or asking for individual quotes from local, state and federal insurance companies. Taking time to find out quotes, special discounts and estimated prices based on factors like age, driving history and the vehicle can make it easier to find a cheaper rate.New York has a wide range of potential insurance companies. Finding the best price for personal coverage needs and the vehicle is not always a simple task. Despite the challenges, taking time to shop around and compare prices will always result in a reasonable rate. Even young drivers can find cheaper prices with a little comparison shopping and an understanding of the state laws.


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