Driving around the Big Apple will test the mettle of any serious motorist, which is why getting New York car insurance quotes are so important for the city’s residents. It is the only way you can be sure you get the proper coverage at the lowest price. Simply enter your zip code above to begin the process now.
Alternatively, you can keep reading to learn more about the various facets of New York city car insurance. Topics include finding a local agent, learning about typical auto insurance rates and the laws of the state as a whole. Keep reading to learn more or get a quote above to start saving money now.
New York City Car Insurance Agents
Given the fact that New York City is far and away the biggest city in the United States, there are many insurance agents and companies based there. Here are just a few of the many companies with locations in and around New York.
AllState has 40 agents in New York city proper at the current time. Alternatively, if you can’t find an agent close to you, you can also buy a policy from their website.
New York Geico Insurance Agents
Amazingly, Geico does not have a single New York City based agent. Instead they like to focus on selling policies online.
There are currently 10 local agents and brokers in New York city authorized to sell Progressive auto insurance policies.
Given it’s focus on local agents rather than selling online, it’s no wonder State Farm has the most New York based insurance agents. At the current time they have over 50 agents who can help you with the various aspects of the insurance buying process.
Your insurance agency not listed? If you own an insurance agency that has a location in New York City and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
New York City Auto Insurance Rates
As with all big cities, it is not cheap to buy auto insurance in New York. According, to CarInsurance.com the average quoted price for a policy in New York City is nearly twice the national average. Currently, the average online quote is about $2,710 in NYC compared to just $1,440 for the US as a whole. So you can see why getting instant New York auto insurance quotes is so important.
You can get more detailed information by looking at New York auto insurance price tables from the Insurance Department’s website for New York county.
Driving in New York City
One way to keep your driving and insurance costs low is to stay accident free. A good first step in staying accident free is to avoid traffic and know where you’re going before you leave home. There are a few resources that can help you such as the New York City Department of Transportation’s Real-Time Traffic Cameras. You should also check out the Federal Highway Administration’s Guide to New York Traffic and driving information.
INRIX New York City Traffic score card also lists problem intersections and other information about driving in New York. Finally, NY.com has a good guide to information about driving in New York City, including links to many useful resources. Remember just a small amount of planning before hand can prevent you from getting in an accident.
New York State Auto Insurance Laws
As you’re likely already aware New York City does not set it’s own auto insurance laws; they are passed at the state level. The most important points to know about New York’s auto insurance laws are that it is a ‘no-fault’ state, you are required to have insurance coverage for all vehicles you own with at least the minimum required liability coverage and you must always show proof of insurance if requested to do so by a law enforcement officer.
It is important to note that you will be held responsible for any failure in meeting your auto insurance requirements. Penalties can include fines for minor offenses to criminal charges in the case of serious things like fraud. You are highly recommended reading the New York Department of Insurance’s Consumer Guide to Automobile Insurance. It outlines in far greater detail what insurance you are required to have when you own and drive a car in the state.
New York City Car Insurance Quotes For Protection
In the city that never sleeps, one never knows what can happen next. Gypsy cabs are abound and trucks can pop out from every corner, it would be best to have you and your vehicle covered by a good auto insurance policy.
It can safeguard you against accidents and other mishaps that could occur on the mean streets. Protect yourself against trouble with car insurance and you can breathe easier just in case these things happen.
Getting New York City Car Insurance
Instant online car insurance quotes can lead to finding rates from multiple companies quickly and easily. Your application and approval can be best rushed, if you have a clean driving record and if you drive a good vehicle.
Those who have luxury cars or poor driving records may find buying insurance a little more time consuming and certainly more expensive. Installation of safety features such as airbags, proper lights and anti-theft devices may help you get a lower price on your policy.
While most car insurance companies can offer workable rates, make sure you choose a car insurance quote that will work best for you. You can use our website that compares insurance quotes or get in touch with a car insurance expert or agent. They can provide advice and will help you work out which car insurance deals can be manageable for your needs.
Yet, even in that case it is helpful to get a few New York City car insurance quotes to make sure you are getting the best price you can for the coverage you need.