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New York car insurance rates change over the years, if you are not careful you could end up paying too much for your new york auto insurance premium. Looking back, the average new york auto insurance premium in 2000 was about $1,094, an increase of about 20.02% in just 3 years!
It is possible to purchase additional no-fault new york auto insurance up to the limits of the driver's liability insurance. In addition, insurers must offer Optiona Basic Economic Loss (OBEL), which expands the economic loss coverage by an additional
$25,000. Collision, supplemental uninsured motorist, and comprehensive coverage are recommended. The cost of new york auto insurance will be calculated by factoring in the
age, sex, and marital status of the driver, as well as the criminal or accident
record of the driver.
The average new york auto insurance premium is $1,313 in 2003; the national average was at $914. Since most people think new york auto insurance rates are fixed by state and new york car insurance companies, they never shop around for better new york car insurance rates. Our site helps you find the cheapest new york automobile insurance rates and discounted prices available in New York, so average New Yorkers can get a better-than-average low new york auto insurance rate.
Uninsured Motorist protection, which is mandatory under New York law; the amount insured is the same as the bodily injury limits covered by liability auto insurance.
Uninsured motorist protection does not cover damage to the car itself, or to
the loss of other property; nor does it cover the insured in accidents that
take place outside of New York State.
The State of New York requires that drivers wishing to register cars
to carry the following: no-fault insurance, which is in effect personal injury insurance and pays the medical bills for the driver or passenger in the driver's car, or a pedestrian injured by a car. This new york auto insurance is designed to limit lawsuits to cases of accident where damages exceed the standard no-fault maximum of $50,000
per person. No-fault coverage also includes an extra $2,000 per person death benefit over and above the $50,000. No-fault auto insurance covers the insured and the insured's immediate family losses incurred in vehicle accidents anywhere in the United States or Canada. No-fault is the primary medical insurance carrier in the event of injury caused by auto accident, and no-fault auto insurance covers wages lost due to accident at a rate of 80%, up to $2,000 per month, for up
to three years. No-fault auto insurance is voided when the driver is intoxicated,
causes the accident intentionally, is committing a crime, or is driving an uninsured vehicle
Liability insurance to cover bodily injury and property damage. The normal
formula in New York is "25/50/10," i.e. $25,000 for injuries not resulting in death, $50,000 for injuries that result in death; 50,000 for bodily injury suffered by two or more people in the accident, or $100,000 in case of death; and $10,000 for property damage. Liability auto insurance claims apply in instances when a third-party alleges that the insured was at fault. Drivers should get additional liability insurance if they have substantial assets they wish to protect.
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