Cheap car insurance quotes are sought after by more and more consumers. This is especially true post 2008 economic meltdown which became the catalyst for making pinching pennies fashionable. The goal of this article is to provide the reader with the realities of auto insurance quotes in New York and then provide 10 simple steps that can aid in the application for cheap car insurance.
New York Demographics
A survey conducted by the National Association of Insurance Commissioners clearly show that New York consistently ranks in the top 10 of most expensive auto insurance quotes. In fact New York ranked the 4th most expensive state for automobile insurance in 2009. In part, the reason why it is so high is because New York has very stringent auto insurance laws as well as severe penalties for violators. This has actually contributed to the not more than 5% uninsured (auto insurance) rate in New York which is a very good thing.
The New York law requires:
- A minimum liability of $25,000/$50,000 bodily injury liability; and
- A minimum liability of $25,000/$50,000 uninsured/underinsured motorist bodily injury; and
- A minimum liability of $10,000 for property damage; and
- A minimum of $50,000 personal injury protection.
Must-Dos For Cheap Car Insurance
The cheapest car insurance premiums do not necessarily come to you. You have to go out and look for them yourself. And, in a lot of cases, there are adjustments that you have to make in terms of your own car ownership in order to get the cheapest car insurance premiums possible. When you think about it, it is not that difficult to get great bargains on car insurance premiums. That is, if you know where to look and if you know what to look for. A little education and a little pencil-pushing will go a long way in saving you money in your car insurance premiums. Before you even go around looking for quotes, there are already things that you can consider to bring your car insurance premiums down.
Your cheap auto insurance in NY must also be from a reliable company. A policy holder needs to check on the physical location of the insurance provider. Getting to know the people behind the company must also be checked. Car insurance is something very important hence selecting and purchasing one must be done with utmost care and attention. Requesting for free online quotes will also help you find cheap car insurance in New York faster.
It also bears stressing that you should request for an insurer that does not practice gender preference when it comes to insurance rates. This is because insurance rates for men and women have enough bases for risk determination without adding gender into the equation.
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