Cheap Car Insurance in NY for Young Drivers

cheap car insurance in ny for young driversThe ability to get cheap car insurance in NY for young drivers is going to be predicated on three things.  First, car insurance basics so you understand the coverage types.  Second, understanding the ways that you can save money with car insurance which we’ll cover in detail in this article and finally, understanding the NY car insurance requirements.

Most young drivers seeking cheap car insurance don’t realize that while their premiums will obviously be more than a 40 year old with a clean driving record, they can save money compared to other young drivers in the same situation that don’t do their due diligence by quote comparison shopping with multiple quotes from companies that essentially compete for your business.  In fact, this by itself makes it even all the more important for young drivers to price shop more than anyone else.

Cheap Car Insurance in NY for Young Drivers

Our Rapid Quote Partner Network is designed to give the best discounted cheap car insurance in NY for young drivers possible if you learn the basics in this article and the links provided.  Quoting online is the only way to comparison shop for the best coverage possible in a free, fast and convenient process that you can do right from the comfort of your own computer.

Remember these facts though.  Your first quote is often not the best quote you’ll receive because car insurance companies don’t quote car insurance the same way.  Obtaining 3-4 quotes will ensure that you’re getting the best quote possible for your particular situation and has many more benefits that can provide the cheap car insurance in NY for young drivers that you’re looking for.

Cheap Car Insurance in NY for Young Drivers-Facts & Savings

Understanding the types of car insurance available is critical to the quoting process.  You have to have the basics down whether you quote online or meet with an agent in person.  The best part is, it’s not complicated at all and will make sense to you pretty quickly.

It is important that every car owner have some sort of car insurance. It can be hard to find the right one, though. The key thing to do is to find a plan that fits your needs but does not break the bank. By researching which type of coverage you need, your purchasing decision will be much easier. This article provides excellent car insurance advice that can help you.

Letting your auto insurance coverage lapse will raise your insurance rates. As a young driver looking for bargain car insurance in NY, if you keep switching insurance policy providers, your coverage will lapse, and rates will increase. To protect themselves, the insurance companies will raise rates when they discover a lapse in coverage.  As a young driver with car insurance in NY, don’t let this happen.

It can be difficult to pinpoint the correct amount of auto insurance coverage for a specific situation. If you own a lot of expensive things, you should insure them. The personal liability portion of your insurance is to avoid seizure of your assets if you are involved in a case where the other party has bills that aren’t under your policy. You should play it safe and have enough coverage.

You need to maintain a clean license as a young driver in NY. (I know that may seem hard.)  Listen, you will pay more on insurance if you have tickets and accidents on your record. There are times when you can’t avoid the accident or ticket, so you should check out traffic school to see if this will help clean your record and make your insurance premiums lower.

Even if your driving record isn’t perfect, there are ways for you to negotiate a better insurance premium. Taking a safe driving course after an accident is a common way to get your premiums reduced. Some companies, such as Progressive, will install a chip in customer’s cars that will monitor their driving each day. If the chip reports that you’ve been driving responsibly, you’ll soon be paying lower rates.

Your insurance can usually be dropped within the first two months for no reason. During that time period, the insurer reviews your record to make sure you are not a high risk. When your policy is terminated, it can affect your premium rates for years.

If your family includes teenage drivers, don’t buy them their own cars. Instead, have them share a car the family already owns. You can save a great deal of money by simply adding them on to your existing insurance policy. If your teen consistently gets on the academic honor roll at school, they can get a discount on car insurance.

Think about removing some coverage from your auto insurance. One example of this is collision insurance; a good idea for expensive cars, but if your care is a piece of junk, it’s probably not worth it. Eliminating these coverages will save on your monthly premium. It may be worthwhile to investigate dropping comprehensive and liability provisions, as well.

Make sure to research insurance costs when you are purchasing a car. Your insurance agent can advise you on the models of cars that can save you money on your premiums. You can make a better decision in buying a new or used car based off this information. Car insurance rates are significantly lower when covering a vehicle with a strong safety rating.

Here’s a great tip for discount car insurance in NY for young drivers:

Trade in your sports car for a more moderate vehicle. If you drive a sports car, you can expect to pay a higher policy cost. Instead, choose a car that gets the job done without flashy extra features. Those with high performance engines will be expensive to cover because they are involved in more accidents. Sports cars also cost more for the insurance, because they are stolen more often than other cars.

It is essential to pay off any traffic tickets before you change insurance. Companies will look over your driving record; pay any fines that you owe. While it is obviously the notable thing to do, is also has the added benefit of lowering your insurance premiums.

Check to see if your auto insurance will cover a car rental. You may need a supplement to your insurance plan if your current policy does not reimburse you for a rental car while your car is in the shop. This extra policy may be as high as 20 dollars every day. In addition, your car may take a while to repair.

If you have a car rental in your insurance policy then think about removing it. Chances are you are paying for it everyday, but you rarely use it. Removing this service will save you money, however, you should understand that it adds a bit of risk.

Safety features can save you hundreds of dollars, so make a list of available safety features when shopping for car insurance. You will find that safety features like air bags and alarms will get you a better rate on your insurance bill because of their ability to reduce future claims. If you have an older car, you can equip it with safety features yourself if you are seeking more discounts.

Cheap Car Insurance in NY for Young Drivers-NY State Requirements

Minimum Required Insurance Coverage in New York

Bodily Injury Liability: $25,000/$50,000 Limit, Property Damage Liability: $10,000 Limit, Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $50,000 Limit

New York follows a what is called a No-Fault system. This means your insurance company is responsible for payments for your injury claims regardless of who is at fault, up to a specified limit in your policy. No Fault rules vary from state to state, but the basic premise is the same.

Personal Injury Protection (PIP) helps pay for “reasonable and necessary” medical expenses for you and anyone in your car. New York requires a minimum Personal Injury Protection coverage amount of $50,000.

To help protect against damages caused to you and your passengers by an uninsured driver, New York state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or under insured driver.  This is a very important coverage to get and isn’t expensive at all.  Please get it.

As a general rule, don’t go to court unless you have a claim with a value of at least $25,000. You should concentrate on cooperating with your claims agent to find a agreement. Hiring a lawyer will cost a great deal of money and is usually not worth the trouble.  This is an opinion, not a legal statement.

When it comes to the amount you will pay for cheap car insurance in NY for young drivers, many factors are taken into consideration. Some of these factors are demographic in nature, such as your age, gender and marital status. By knowing exactly what will affect your insurance rates, you will be better able to decide whether you are getting a good deal and understanding all of the reasons why online quoting will lead to cheaper car insurance in NY for young drivers is critical.

As mentioned, before you buy insurance, it’s important to learn about the insurance you need and to do thorough research. Arming yourself with the necessary information is a great way to make sure you get your auto insurance at the best possible price. Keep the information in this article in mind when you shop for auto insurance and look forward to feeling confident that you got the best insurance deal possible.

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Posted in: Auto Insurance, Insurance