The Secret To Getting Really Cheap Car Insurance In New York

by Elizabeth Newberry

New York State is a no-fault state in terms of car insurance
coverage. Simply put, this means your car insurance policy will
cover you, and the other guy's car insurance policy will cover
him, regardless of who was at fault for the damages.

You can purchase New York's minimum car insurance requirements
just the same as you would in any other state in America;
however, New York's minimum car insurance coverage requirements
are a bit more in-depth as far as coverage goes, and pricier as
far as costs go.

The minimum car insurance coverage in New York is as follows:

$10,000: Property damage liability $50,000: Basic, no-fault
coverage

Bodily injury liability: For injury, $25,000 per person and
$50,000 per accident. For death, $50,000 per person, and
$100,000 per accident.

Uninsured motorist's coverage: For injury, $25,000 per person
and $50,000 per accident. For death, $50,000 per person, and
$100,000 per accident.

Of course, if you don't own your car out-right, i.e., you
borrowed money from a lender to help pay for it, you may have to
purchase more car insurance than the minimum.

Despite the high costs of the minimum car insurance
requirements, it is possible to get cheap car insurance in New
York. Shop around with a few NY car insurance companies
(remember, drivers in New York must purchase car insurance from
a company licensed to do business in New York) and ask about
what kinds of discounts they offer. Some discounts are pretty
standard, such as those for good students and multi-line
policies; other discounts may be unique to that particular car
insurance company.

You may also make changes on your own to your car. Make sure it
is up-to-date with safety features such as anti-theft alarm
systems and reinforced window. Child-proof locks aren't only
safe, but impressive to car insurance companies. And instead of
leaving your car in the side of the street, store it in a
garage.

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How to Get Cheap Car Insurance in New York
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How You Can Get Cheap Auto Insurance In New York

by Elizabeth Newberry

Just like any other place in America, New York can be dangerous,
especially when it comes to the safety of your personal
belongings. Many car insurance companies consider New York a
high risk area because of the high statistics of crime. Cars are
at risk for being vandalized and stolen. Yet, high risk or not,
New York drivers and car owners must have auto insurance - it is
the law.

Luckily, New York participates in a program for drivers and car
owners to help them protect their vehicles against theft - Watch
Your Car.

Watch Your Car (WYC) is a special plan to help drivers and car
owners not only recover their vehicles after they have been
stolen, but to possibly even prevent the vehicle from being
stolen. The federally funded program places decals on the
windshield of a WYC participant's vehicle, giving police
officers notice that the owner of the vehicle does not usually
drive the vehicle between 1 a.m. and 5 p.m., nor does the owner
of the vehicle drive near international borders.

WYC also etches the vehicle identification number into the
vehicle's windshield; a VIN is often removed when someone steals
a vehicle, but when the VIN is etched into the vehicle's
windshield, it makes it very difficult to remove. If the thief
does remove it, serious damage occurs to the vehicle's
windshield.

A program such as Watch Your Car lets a car insurance company
know that you are serious about protecting your vehicle against
theft. This is very important when shopping for cheap auto
insurance in New York as you are likely to get better rates if
you take safety precautions. Of course, you should also take
other safety precautions such as anti-theft alarms and parking
your vehicle in a garage rather than on the street.

For more information about Watch Your Car, contact the New York
State Department of Motor Vehicles, or your local law
enforcement agency.

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