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.

Tags - Auto insurance coverage, auto insurance New York, auto insurance quotes, compare auto insurance, New York auto insurance, Insurance, Auto Insurance

Nearest Progressive Auto Insurance In Maryland

Nearest Progressive Auto Insurance In Maryland:- Auto insurance saves you from collisions. There are much more than collisions. They are hail storms or falling of trees. These incidents can damage your car very badly. In these circumstances, a proper auto insurance will help you in meeting the repair charges of your vehicle met with an accident. If you have injured someone with an accident, it will also cover the medical expenses of the injured. Let us discuss about the auto insurance facilities in Maryland.

Auto Insurance Requirements in Maryland:

The minimum legal auto insurance Maryland requirements are as follows.

● Bodily Injury Liability Coverage: $30,000 per person injured in an accident and $60,000 per accident irrespective of the number of persons injured
● Property Damage Liability Coverage: A minimum of $15,000
● Uninsured Motorist Bodily Injury Coverage: $30,000 per person and $60,000 per accident
● Uninsured Motorist Property Damage Liability: $15,000 minimum
● Personal Injury Protection: $2500 minimum.

Maryland auto insurance laws allows you to waive PIP and choose a limited option. Minimum liability insurance coverages are not sufficient to meet the medical expenses or repair charges of vehicles in case the accidents involve huge expenses. It is better to buy an auto insurance that is well above the minimum requirements and this alone will save you from spending from your own pocket after the insurance coverage limits are exhausted.

The other usual auto insurance coverage options such as collision, comprehensive, medical payments and the like are not required by Maryland auto insurance laws. This does not mean that these optional coverages are not good to have. They may be required by many drivers depending on their situations and demands. These additional coverages may be beneficial in the long run.

Auto Insurance In Maryland
Auto Insurance In Maryland

Shopping for Auto Insurance:

As far as the cheapest auto insurance quotes are concerned, the minimum liability coverages as required by law, is the cheapest possible insurance coverages. Maryland auto insurance companies offer auto insurance quotes through their websites and you can get those quotes for your analytical purpose. You have to compare auto insurance quotes of a minimum of five insurance providers to arrive at a better result.

Apart from company websites, there are many insurance agencies, who are ready to provide you auto insurance quotes of many leading insurance providers. These agencies represent those leading companies and they will be able to get you the right company with right coverage as per your needs and budget.

Your aim is not to get cheap auto insurance quotes alone as the quality of service to be provided by a company is also equally important. You have to look for the financial stability, satisfactory customer service, quick claim disposals and the like of your prospective insurance provider, as these qualities are to be given more weightage than the price.

Of course, online auto insurance is the best platform to buy an auto insurance as you will have varieties of options to choose from. Your aim must be to get an affordable auto insurance and not necessarily the cheaper one, as the companies that offer cheap quotes need not be the best.

Driving without Insurance:

Driving without a valid auto insurance or allowing the insurance to lapse without renewing the same are very serious offences in Maryland. The insurers are also required to inform tha Motor Vehicle Authorities when a policy has been cancelled or not renewed. If you fail to provide your auto insurance proof when demanded by law enforcement authorities, you will be fined for driving without a valid car insurance. If the offence is for the first time, you are liable to be fined $1000 and possibly up to one year imprisonment for providing false evidence of car insurance.

You will also be hit with five points on your license. For the second offence, the fine can exceed $2000 and the jail term may be extended to two years. You may also be charged with five more points on your license which may lead to your driving license suspension. The first and subsequent offences may also increase your cost of future auto insurance premium rates.

Disadvantages for not Having Auto Insurance:

It is horrible to imagine a world without an auto insurance. At the outset, people who are at fault in accidents will be paying money to the accident victims from their own pocket and their own savings and other incomes. Suppose a person is injured in an accident at no fault of his or her own is entitled to meet the medical expenses, vehicle repair charges and other expenses from the insurance provider of the person at fault. If the person at fault does not have an auto insurance, then the injured person has to meet all the expenses from his or her own pocket and savings and imagine how he or she will be affected financially.

If every driver has his or her auto insurance, then all these unnecessary expenses will not be there and the insurer will take care of them. Many people are known to have lost their assets for not having an auto insurance to prevent such losses.

Besides accidents, there are natural disasters of many types, which can destroy your car beyond its shape. No one can have control over these natural calamities. Due to heavy winds, trees may fall on your car smashing it to a new shape. This can end up with huge expenses to bring back your car for regular use. All these expenses could be avoided provided you have a proper auto insurance coverage.

Since every policy is different, you have to review your insurance policy. Each one has a different financial situation and accordingly, one may choose a different coverage over another for a variety of reasons. However, you have to be reasonably protected as no one can expect when accidents will happen and what type of damages they will bring in.


Now, you might have understood the importance of an auto insurance and how they are offered in different options by the Maryland insurance providers. As a law abiding citizen, buy the auto insurance that suits your needs and remain peaceful.

Tags - Auto insurance coverage, Auto Insurance Maryland, auto insurance quotes, Cheap Auto Insurance Quotes, Cheapest Auto Insurance Quotes, Maryland Auto Insurance, Maryland Auto Insurance Companies, Online Auto Insurance

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.

Tags - AutoAuto Insurance Companies, auto insurance coverage, Auto Insurance Massachusetts, auto insurance quotes, Cheap Auto Insurance Quotes, Cheapest Auto Insurance Quotes, Massachusetts Auto Insurance

Car Insurance Quotes | Auto Insurance USA - Cheap Insurance Quotes

Car insurance quotes are synonymous with auto insurance quotes. They are set up by auto insurance companies such as AAA, GEICO and State Farm Insurance so as to give consumers a better idea of the policy that works best for their needs. They are an invaluable tool because they allow you to determine exactly what you will be charged by each independent insurance company that offers coverage, anywhere in the country, regardless of car make/model/yr, your age, your gender, or any of the other minor details that make up the cost of a policy.

Auto Insurance

Car Insurance Quotes | Auto Insurance USA - Cheap Insurance Quotes

These quotes are going to specifically reflect you as a driver, since the company is putting it's faith (so to speak) in you as a driver. If you have a history of getting into accidents, committing speeding violations, or driving under the influence, then you should not be surprised to find that it is extremely expensive for you to insure your automobile. On the other hand, if you have a clean driving record, you should expect to pay less than the average auto insurance costs.

> > > >  Click Here to Save Money on Auto Insurance  > > > >  

Car Insurance Quotes | Auto Insurance USA - Cheap Insurance Quotes
Car Insurance Quotes | Auto Insurance USA - Cheap Insurance Quotes

The following chart provides you with some examples of how a few things such as the make/model/yr of the car you wish to insure, and the gender and age of the driver you wish to insure, effect the premium costs in CA, more specifically, Los Angeles, CA:

Car Make/Model/Yr
6-Month Premium Cost
'00 Ford RangerMale23$1,568
'00 Ford RangerFemale23$1,551
'81 K1500 JimmyMale30$859
'81 K1500 JimmyFemale30$846
Note:- Data changes over time. To know more you search on google

Auto Insurance Quotes

Some of the factors that will impact the cost of you auto insurance policy include:

  • Gender and age - a young male driver is unfortunately going to have to pay more for his coverage than a middle-aged woman would have to.
  • Driving record/History - "Fender-benders," tickets and driving under the influence, all add up to equal a higher premium.
  • Misc. Discounts - Good students, safe drivers, owners of safe cars, if you are a senior or in the military, if you have low mileage on your car or live in a rural community.

Check out our list of prominent INSURANCE PROVIDERS