How Much is Auto Insurance in New York First Time Driver

How Much is Auto Insurance in New York First Time Driver - You may be wondering why I should pay towards auto insurance when I do not get anything in return. When you are a new driver or owner of a new car, it may be still frustrating. But, you must understand that auto insurance is only for your protection from unnecessary financial losses when you encounter with car accidents. You must understand that auto insurance will provide answers to some of your worries about car accidents. We shall discuss auto insurance facilities in New York in the forthcoming paragraphs.

Auto Insurance in New York First Time Driver

Auto insurance is mandatory in New York as in any other State of US. The minimum New York auto insurance requirements are as given below.

  • Bodily Injury: $25,000 per injured in an accident and $50,000 for all persons injured in an accident.
  • Death Benefit Coverage: A driver must carry a minimum of $50,000 per person killed in an accident and $100,000 for all persons killed in an accident.
  • Property Damage Liability: A driver must carry a minimum of $10,000 towards property damage caused in an accident.

Auto accidents can cause serious damage to your body and vehicle. It can also cause serious setback to your future financial status. Sometimes, car accident expenses can be unimaginable and overwhelming. Only a proper auto insurance New York can save you from these financial disasters.

Auto Insurance in New York
Auto Insurance in New York

Auto Insurance Coverages:

The following auto insurance coverage is essential for a car owner or a car driver in New York.

Liability Coverage: If you are responsible for an auto accident then you are liable to pay for the damages or injuries to third parties. This liability coverage will meet the resulting expenses upto your insurance coverage limits.

Property Damage Liability: Suppose you are held responsible for an auto accident in which private or public properties are damaged, then this insurance coverage will meet the expenses towards the repair charges of the damaged properties upto your insurance coverage limits.

Uninsured/Underinsured Motorist Coverage: In spite of strict enforcement of laws, there may be drivers who may remain either uninsured or underinsured. When you confront accidents with these type of drivers, this insurance coverage will protect you from the resulting expenses.

Auto Insurance Companies in New York: Many reputed auto insurance companies are functioning in New York to serve for the benefits of car owners and car drivers. These companies offer auto insurance quotes through their official websites. One can visit these companies and get the quotes in person. While shopping for auto insurance, you are required to compare auto insurance pertaining to a minimum of five companies, study the policies thoroughly, look for the insurance coverages and finally choose the best one.

General Views: While shopping for auto insurance, there is nothing wrong in looking for the cheapest auto insurance quotes. At the same time, the prospective company, you choose, must be financially stable, must provide good customer service, must dispose of the claims in quicktime and the like. This is because you should not repent for choosing a wrong company that offer only cheap auto insurance and not a good service.

Cheap Auto Insurance Quotes: When considering the cheapest auto insurance quotes, a study has revealed that the insurance companies such as Geico, Erie, Progressive, Nationwide and State Farm offer cheap rates of auto insurance premiums which are reported as $825, $1149, $1493, $1497 and $1519 respectively. But these are only rough estimates and the premium rates depend on various factors and the insurance coverages demanded. The most cheapest auto insurance quotes is actually the minimum liability insurance requirements as required by law.

You can get online insurance quotes from the websites of many leading insurance companies. You have to compare these quotes in respect of same coverages and choose an affordable auto insurance that fulfils your needs. However, the coverage limits, you choose, must be equal or higher than the minimum requirements.

Factors that Decide Auto Insurance Rates: In general, auto insurance premiums are determined by the insurance companies based on several factors such as your age, gender, type of vehicle, driving history, the area in which you live, where you park your car and the like. Besides, in New York, there are some more factors that are responsible for the decision of auto insurance premiums and they are traffic patterns, population demographics, cost of the goods and services and the like. These factors also contribute to the cost of insurance rates.

Auto Insurance Discounts: There are a number of discounts offered by the insurance providers that help reduce the cost of auto insurance premiums. You may be eligible for some of these discounts and you have to wisely avail these discounts in order to lower your premium rates. Some of the possible discounts offered are as given below.

  • Passing of accident prevention course
  • Fixing of seat belts and air bags in your car
  • Installing anti lock braking system
  • Installing anti theft devices
  • Maintain an accident free record
  • Multi policy discount
  • Multi car insurance policies.

Why Should I need Higher Coverage?

Assume that you have the minimum insurance coverage and you get into an accident with a few passengers. Your insurance would cover $25,000 for bodily injuries per person and upto $50,000 for an accident irrespective of the number of persons injured. Suppose there were four persons injured in the accident then you may have to meet the medical expenses beyond $50,000 in case of serious injuries. In this case, the minimum insurance coverage as required by the law,  will be insufficient. That is why the insurers recommend to have higher coverages that that of the minimum requirements.

Of course, whether you need higher coverages or not is purely your personal decision. It is safe if you have that higher coverage.

Conclusion: Now, you might have understood the facilities made available by the insurance companies in New York and the importance of buying an auto insurance. It is also your duty to produce insurance proof when demanded by the concerned officers. Failing which, you are liable to be fined or jailed. Similarly driving under the influence of alcohol is also a great offence that attracts severe punishment. Be a loyal citizen by obeying traffic rules and by purchasing a valid auto insurance that saves you from financial crisis.

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What Is A Deferred Driver On An Auto Insurance In Massachusetts

Like any other insurance, auto insurance also tends to protect the individual or cover any financial loss,  which may occur while operating a motor vehicle. Insurance premiums may be costly, but avoiding auto insurance will land you in deep trouble and you may have to spend a lot and by that time you will feel that paying for auto insurance is far better. Let us see the auto insurance facilities in Massachusetts in the forthcoming paragraphs.


Massachusetts Auto Insurance Laws:

Massachusetts auto insurance laws say that every driver of a vehicle require a valid auto insurance on hand before registering your vehicle or before you take up the wheels on the roads. This law is there to protect all residents of Massachusetts and therefore, the drivers are held responsible for any injuries caused by them in accidents to them or others. Auto insurance Massachusetts laws mandates auto insurance providers to cover your own medical expenses irrespective of the fault. Auto insurance coverage liability limits as per the local law are as follows.

  • Bodily Injury:                        $20,000 per person/$40,000 per accident
  • Property Damage:                  $5000 per accident
  • Personal Injury Protection:    $8000 per accident
  • Uninsured/underinsured)
  • Motorist Bodily Injury     )    $20,000 per person/$40,000 per accident

Auto Insurance In Massachusetts
Auto Insurance In Massachusetts

Your Massachusetts auto insurance policy must always carry the above four liabilities without fail.

Bodily injury liability will pay 20/40 per person/per accident and the maximum limit is $20,000 per injured person and $40,000 per accident irrespective of the number of persons injured. If the expenses exceed the coverage limits, you will have to bear the excess from your own pocket.

Similarly property damage liability will pay $5000 for every accident that involves damage of properties. The damaged property may be your opponent driver’s car or private or public properties. Your insurer will pay not more than $5000 for all the damages done and if the costs exceed the coverage limit, you are responsible for the excess damage costs.

Personal injury protection will cover your own medical expenses if you or your family members are injured in an auto accident. Without looking for who causes the accident,  a maximum of $8000 will be spent by the insurer. As an additional benefit you may receive 75% of your lost income (up to $8000 limit) if you are out of work due to injuries. A chosen deductible may reduce your auto insurance PIP premiums.

When you are hurt in an accident to which an underinsured or uninsured driver is responsible,  you will be covered by the insurer under uninsured/underinsured motorist coverage. The limits of coverage is the same as prescribed for bodily injury liability.

Alternative Proof for Liability Insurance:

Even though liability insurance is the cheapest auto insurance quotes you can purchase, there are two other alternative ways to prove your financial responsibility.

You can have a surety bond worth for $20,000 per person injured in an accident and $40,000 per accident and a $5000 property damage expense coverage per accident. This will fulfil your liability insurance needs. The surety company which issues the surety bond must be a licensed one by Massachusetts State.

You can make liability deposit to the worth of $10,000 with the State treasurer either in cash or in securities. Whenever, a judgements asks you to pay your dues to others, the treasurer may ask you to deposit additional amount until the balance is back to $10,000. The treasurer may deposit the amount into a savings bank or elsewhere that earns a interest for you and you can keep the interests.

Insurance Premiums:

Auto insurance premiums are regulated by the Massachusetts office of Insurance Regulations and the Massachusetts auto insurance companies are allowed to charge premiums and offer discounts based on many factors that include
  • The type of your vehicle
  • Previous auto insurance coverage
  • Mileage you drive on an average
  • Your driving record
  • Your age and gender
  • Your marital status
  • Where you live
  • Your experience in driving
  • Purpose of use of your vehicle

The insurers are not allowed to use your credit rating to determine your auto insurance premiums in Massachusetts.

How to get Cheap Auto Insurance Policy?

Shopping for insurance is the best way to arrive at cheap auto insurance quotes. You have to get as many auto insurance quotes as possible and compare auto insurance quotes so obtained. In fact, you can collect these quotes by visiting the insurance companies in person. But, this is a time consuming process. Instead, you can browse for online auto insurance quotes by visiting the websites of some leading insurance companies and compare them along with the coverages offered. You have to compare auto insurance quotes of different companies for the same coverage and finally arrive at the best result. This is the best way to get an affordable auto insurance that suits your needs and budget.

However, your aim should not be to get cheapest auto insurance quotes alone. The companies that offer cheap auto insurance quotes need not be the best in customer services. It cannot be denied that some local insurance companies are doing stupendous services to their customers by offering right coverage at reasonable price. You are aware of the reputed auto insurance companies in your living area and you have to analyse the profiles of the companies to assess the credibility. Online facilities are now available to look into the reviews commented by the beneficiaries about their insurance companies and you can rely upon these reviews to a certain extent.

You can also consult your neighbours and friends, who have already bought such auto insurance from many companies and gather the financial stability and other good qualities of the prospective insurance companies. All these factors put together will lead to get an affordable auto insurance that suits you in all respects.


Auto insurance is required by law only to protect you from unnecessary financial losses arising out of some nasty accidents. These expenses cannot be dealt with by spending from your own pocket. By missing an auto insurance, you may be losing your entire savings in just one lawsuit. If not already done, purchase an auto insurance immediately and step on the wheels with a peace of mind.

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Understanding What Your Auto Insurance Covers

Understanding What Your Auto Insurance Covers - Once you've purchased automobile insurance, you may not have the coverage you think. Millions of Americans have a false sense of security and believe no matter what happens to their vehicle their auto insurance will kick in to cover the bills. Unfortunately, many people are in for a rude awakening when they send through a claim at Progressive or State Farm only to have it denied. Below are four coverage issues you should know. Let's Know - Understanding Car Insurance Coverage | FAQs & Guide

Understanding What Your Auto Insurance Covers
Understanding What Your Auto Insurance Covers

Understanding What Your Auto Insurance Covers

Property Theft

Having only the mandatory minimum auto insurance in your state is not going to provide you any protection if your car gets stolen. What might surprise you is that even if you do opt for comprehensive coverage, not everything in your car is going to be protected by the policy. Here's an example: Say you have just purchased one of those GPS systems that can be mounted in your car instead of professionally installed. A few days later, someone breaks the window and steals the GPS. Even though the theft involved you car, your auto insurance can't cover it because the system was not a part of the car. However, you could file a claim with your renter's or homeowner's policy instead.

Acts of God

We've all heard that some types of insurance won't cover damage caused by so-called acts of God. This term refers to naturally occurring phenomenon, such as flooding or earthquakes. So some people don't realize that car damage caused by these types of events is usually covered under comprehensive polices, unless there are specific exclusions built into the policy. That means if flooding damages your car, you should receive reimbursement minus your deductible. However, it may not always be that easy. Some auto insurance companies may try to pin the blame on you, possibly because you didn't move the car to prevent the damage. That's one reason picking a trustworthy commercial company is so important.

Hit & Run Accidents

If you're the victim of a hit and run accident, you should first try to track down the driver who caused the accident and attempt to make him or her pay for all of the damages. The police and witnesses can help you do this. If that doesn't work, you can submit the claim to your insurance company. Uninsured motorist coverage will cover these claims if you have that type of policy (this type of coverage is mandatory in many states). Otherwise, you'll just have to submit the claim through your agent and pay the deductible. Sadly, going this route will also cause your insurance rates to increase.

Pet Injuries

More people are traveling with their pets today and, as a result, more pets are being injured in car accidents. If the accident is not your fault, any injury to your pet will be covered by the other driver's liability insurance because pets are considered property legally. However, if you are at fault, your insurance normally won't cover these expenses. Currently, Progressive does bundle pet coverage of up to $500 with its collision coverage. More auto insurance companies may follow suit.

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Optional Auto Insurance Coverage to Consider

Optional Auto Insurance Coverage to Consider - If you're already alarmed by the auto insurance quote you've received for just liability coverage, you might not be interested in adding any additional types of auto insurance options. However, there are several that are worth considering. 4 Major Types Of Auto Insurance Coverage

Optional Auto Insurance Coverage to Consider

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Personal Injury Protection

Also known as PIP, this type of additional coverage is not available nationwide. However, insurance companies in some states do offer it. Basically, PIP is coverage that will pay for your medical and funeral costs if you are involved in an accident. It will also cover these expenses for anyone who is in the car with you at the time of the accident and will also cover those costs for pedestrians you injure with your automobile. The nice thing about PIP is that it doesn't matter who was at fault for the accident. This coverage will cover the bills in either case.

For most people, PIP might not be necessary, unless you're worried about maiming pedestrians with your vehicle. That's because your health insurance will normally pick up most of these costs while life insurance covers the funeral part. However, if you lack either or both of these types of insurance, PIP might be a wise investment.

Optional Auto Insurance Coverage
Optional Auto Insurance Coverage

Loan/Lease GAP Insurance (LLG)

We all know that as soon as you drive a new car off the lot, it begins to depreciate. During much of the time when you are paying off the loan on that car, its value is less than what you still owe on the loan. The bad news is that if your car is totaled in an accident you only receive the amount listed in the Kelly Blue Book. Let's say you have a 2006 Dodge Caravan and you still owe about $10,000 on the loan. The value for the car is around $6,500. If that van is totaled, you're still going to owe the lender $3,500. With GAP insurance, however, that won't be a problem. The insurance will kick in and will cover the difference so you don't have to pay it out-of-pocket.

Rental Car Insurance

Let's say you're in a car accident and you need major repair work done on the car but it's your only vehicle and the work is going to take up to 5 days to complete. What do you do? Well, you could find alternative transportation, such as the bus or carpooling with co-workers. Or if you've added rental car reimbursement insurance to your policy, you could rent a car for those five days and the costs would be covered by the insurance. Considering how expensive rental cars have become in recent years this is a nice option to have available.

Emergency Road Service

When you purchase collision and/or comprehensive coverage in most states, you can also choose to purchase emergency road service protection. For this extra minimal fee, your insurance will cover the costs of tire changes, towing services, lockout services, and other emergency auto-related expenses you might incur. This is a great option for people who are on the road a lot.

Auto Insurance Quotes

4 Major Types of Auto Insurance Coverage

The Major Types Of Car Insurance Explained - Purchasing auto insurance can be a challenge because to compare one auto insurance quote to another you have to know a lot about the industry's lingo. While most agents will be happy to explain the terms to you, the information below will give you a good idea of what all of those terms and figures mean on the quote you've received.

Types of Auto Insurance Coverage

What is Liability?

As you might already know, most states require that you carry a specific minimum amount of auto insurance on each vehicle you drive. In most states, that mandatory insurance is liability. Basically, liability coverage is intended to do only one thing: cover the other driver's damages when you cause an accident. That means if you don't stop at the red light and end up crashing into an oncoming car your liability insurance is going to pay for the other car's damages and will even pay for the other driver's medical bills if any are incurred.

However, liability coverage does have limits. And these limits are going to be expressed on your quote in this format: 100/300/50. The numbers may differ but their meaning will be the same. The first number refers to the maximum payout per accident for bodily injury for each person in the other car. The second number is the maximum total payout possible for bodily injury for all the injured people in the other car. The final number is the maximum in property damage that will be paid out per accident. If the damages exceed your coverage maximums, you are responsible for paying that portion of the bills yourself.

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Major Types of Auto Insurance Coverage
Major Types of Auto Insurance Coverage

What is Collision?

In most states, collision is optional unlike liability insurance. That's because collision is meant to pay for your car's damage. If you caused the accident, for example, your car repairs would need to be paid out of your own pocket if you only have liability coverage. With collision, however, you repair bills are covered by your auto insurance company. Of course, you will have to pay a deductible before your policy begins covering those damages. Collision usually does not cover any injuries you suffer as a result of the accident.

What is Comprehensive?

Auto insurance rates are going to be higher if you add on comprehensive coverage but this extra protection can be useful. While collision protects your interests if your car is involved in a wreck with another car, comprehensive insurance covers your losses caused by other things. For example, if your car is stolen. Comprehensive coverage will kick in and pay you the value of the car at the time of the theft.

What is Uninsured Motorist Coverage?

In some states, drivers are required to purchase this type of coverage, too. Basically, if you are hit by an uninsured driver, this type of coverage will cover your losses even if the other driver fails to financial compensate you for your losses. Sometimes this coverage is combined with under insured motorist coverage which pays the difference between what you are out and what the other driver's insurance would cover.

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