Los cheap car insurance in ny They are an excellent option for complying with traffic laws, which—all over the country—require drivers to have at least basic coverage for their vehicle. Most of the companies that offer them compete with each other to win more customers, which ensures that their service is the best and fits the needs of a large number of customers.
In addition to basic coverage, insurers in New York have additional coverage to cover additional situations during a traffic accident, such as personal injury or property damage policies.
Car insurance is mandatory in New York and must meet certain characteristics to be legal. Credit: Gustavo Frazao | Shutterstock
What are the best cheap car insurance options in NY?
In the state of New York there are numerous insurance companies that offer coverage to drivers, protecting them from any eventuality that may occur while they exercise their driving privileges. Among the most outstanding —because of their low prices— are:
Utica National: with annual premiums amounting to more than $2,000, with an approximate of $217 per month.
NYCM: with annual premiums amounting to more than $3,000, with approximately $250 per month.
Erie: with annual premiums amounting to more than $3,100, with an approximate of $261 per month.
Chubb: with annual premiums amounting to more than $3,200 per year, with an approximate of $273 per month.
Sterling: with annual premiums amounting to more than $3,400 per year, with approximately $290 per month.
It is important to note that auto insurance premiums are personalized and They vary constantly because they are closely related to the driver’s history., your financial situation and can be affected by other factors such as age, gender and even profession. The approximate values described above refer to basic policies for drivers looking to purchase auto insurance with a low credit score.
If the drivers have committed crimes such as speeding or driving under the influence of drugs or alcohol (DIU or DWI), your monthly and yearly auto insurance costs will rise dramatically. This is also common in the case of those drivers who are looking for a more complete policy, since the different additional coverages they choose will have their own prices and will increase the total amount to pay.
Car insurance serves to protect drivers in case they are responsible for a traffic accident. Credit: Freedomz | Shutterstock
What auto insurance coverage limits are required by the authorities in New York?
In the state of New York, everyone who drives must have a basic insurance policy that covers the following scenarios, as indicated by state laws:
$25,000 to cover bodily injury, in the event that only one person was affected after a car accident caused by the client. $50,000 to cover bodily injury if more than one person is affected after an accident caused by the client. $10,000 to cover property damage that the client causes in an accident in which he was at fault. $25,000 to cover bodily injury If the accident was caused by a uninsured driver and someone in the client’s vehicle was injured. $50,000 to cover bodily injury If more than one person is injured in an accident caused by a uninsured driver.
Drivers can adjust these values or add additional coverages, in case you want your policy to end up being more complete or that adjusts to your level of risk or your particular needs. The experts at each company can analyze your case and determine the right plan for it.
Drivers can include additional coverages before signing their auto insurance contract in New York.Credit: Supavadee butradee | Shutterstock
What are the penalties for driving without car insurance in New York?
Auto insurance is mandatory in New York as in the rest of the country. In this sense, people who do not have a policy or those who have not renewed the current may face the following economic sanctions:
If they go 1-30 days without insurance, they could be fined $8 per day. If you are 31-60 days without insurance, you could be fined $10 per day If you are 61-90 days without insurance, you could be fined $12 per day
Those people who exceed 90 days without auto insurance will face greater penalties such as license suspension or revocation driver’s license or vehicle registration for several months, as determined by authorities.
Insurance companies usually carry out an inspection through an expert who determines the amounts to be paid for an accident in which the client was responsible. Credit: Andrey_Popov | Shutterstock
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2023-08-03 22:09:50
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