How To Get The Best Car Insurance In My Area
The average rate of car insurance in New York, NY would be $1,544 per year. That is $774 per month or just over $129 a year. Car insurance rates are quite high in New York City because New York is such an urban region and driving there may be too expensive (i.e, five or more miles over a one hundred mile drive) for many drivers. Consequently, car insurance rates tend to be much higher.
Fortunately, I live in New York City and shopping around for the cheapest car insurance in New York City won’t cost me much. To find the cheapest car insurance in my area, I simply visit five different auto insurance companies. I then enter my driver’s information, my home address, my vehicles’ make, model, year, mileage, and color of the car. The search engine pulls up the information I requested and brings up my results. The best auto insurance rates in my area are listed on the first page of the results.
Because I live in New York City, a lot of the auto insurance companies do not even offer discounts for good driving records. That’s why I’m getting the best car insurance rates by simply getting my traffic ticket dismissed. However, if I don’t get my traffic ticket dismissed then I won’t be able to lower my monthly payments.
For those who live in New York but drive out of state, I suggest getting a quote from each company you are considering. That way you have a better idea of what their prices will be. If you decide to go with one company, make sure that their car insurance requirements match your own. You don’t want to purchase car insurance only to find out that your state’s minimum bodily injury liability coverage requirements are much higher than their national minimums.
For example, if I live in New York City and drive out of state, my policy will probably require that I purchase “no fault” or “basic” bodily injury liability coverage. If I don’t purchase this coverage, my insurance requirements would be more than double for my car in case of an accident. I don’t like this because I prefer to pay lower premiums for the same coverage.
Another factor that will affect my car insurance costs is whether I get a “full-time” or “temporary” policy. Temporary policies are great if I only use my car for work related tasks. However, for those of us who drive for fun on the weekends, we’ll probably want to select a “full-time” policy. Here’s why:
“Full-time” coverage provides better benefits. When I calculate my cost for a claim, it’s very easy for me to see that the cost increases dramatically for “no fault” coverage. This is because in most states, a person must have “no fault” coverage in order to sue for compensation in court. This means that drivers who don’t have “no fault” in their car accident cases will be forced to purchase “full-time” coverage. Unfortunately, the cost of “full-time” coverage is much higher.
It’s also very important to know what’s covered under each policy. This is especially true if you’re shopping in a large city, such as New York, where drivers often have multi-car policies. Often, car insurance companies will offer a discount for multiple policy holders. Ask your agent or your car dealer what types of coverage will be included in your policy.
“Uninsured/underinsured Motorist Coverage” is another type of coverage that can save you money. It covers the costs incurred by victims in an accident who is not covered by insurance. In many states, this type of coverage works well because it requires the driver to carry more than liability insurance. If the victim is injured and won’t be able to pay for her own damages, the state will cover a portion of her claim. If she’s injured but still unable to pay, the state will foot the rest of the bill.
“Locked-out” car insurance is a great way to save on a monthly car insurance premium. Many people who’ve been locked out of their vehicle by a wreck forget to leave a key behind. Obviously, this isn’t a good thing. If you don’t have locked-out coverage on your car, the cost of a locksmith to unlock your car can be quite high.
Car insurance in my area doesn’t usually include coverage for rental cars. You’ll have to find this separately if you plan to rent a car from a rental company. This is another area where a good insurance agent can really save you money. By buying a policy with extra coverage, you can typically lower the cost of car insurance in my area.