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We have low rates that can save you hundreds of dollars on your new york auto insurance.

We can review your existing car insurance policy to lower your rates while maintaining your existing coverage. For example: we offer driver discounts, and have several auto insurance plans for you to choose from.

EXCITING FEATURES of one of our new car insurance plans.


Accident Forgiveness:
After an accident, insurance rates can rise by up to 40%. With this feature your rates won't go up just because of an accident, even if it's your fault.

Deductible Rewards

You'll get $100 off your collision the day you sign up. For every year you don't have an accident, you'll get an additional $100 off. Up to $500 total.
New Car Replacement
If your car is totaled in a collision, this feature can help you replace it with another car of the same make and model.
Safe Driver Bonus
For every 6 months of accident free driving, you have the opportunity to earn an added bonus of up to 5% that can be applied to your next premium. This is in addition to any other discounts you earn.

Easy Pay Plans for Car Insurance..

You have nothing to lose with our free no-obligation quote.

Phone 1 - 212 - 737 - 8900

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Standard New York State
Car Insurance Coverage.

Bodily Injury Liability Protection.
Typically provides insurance coverage if you or a covered driver is legally liable for damages resulting from a covered auto accident where others are injured or killed.

Property Damage Liability Protection.
Typically provides insurance coverage if you or a covered driver is legally liable for damages to another’s property resulting from a covered auto accident.

Collision Car Insurance.
This auto insurance coverage helps pay for damage to your insured vehicle caused by a covered accident with another vehicle or a collision with most anything else, such as a tree.

Comprehensive Car Insurance.
This auto insurance coverage helps pay for damage to your insured vehicle caused by falling objects, fire, theft, vandalism and certain other non collision losses.

Medical Payments Coverage.
Typically provides protection for reasonable and necessary medical expenses incurred as a result of bodily injury sustained by you (or other persons insured under this coverage, such as your guest passengers) in a covered accident. Such expenses might include, for example, ambulance, hospital, X-ray, dental and surgical expenses.

Personal Injury Protection (PIP).
Typically provides insurance coverage for certain expenses incurred by you and other covered persons due to an accident, such as medical, hospital, loss of service and funeral expenses. Income continuation benefits may also be included.

Uninsured Motorists Insurance.
Typically provides insurance coverage for you and other covered persons injured or killed in an accident caused by a negligent uninsured or underinsured driver.

Get an online New York Car Insurance quote right now.

 

AUTO Insurance

What protection do I really need for AUTO insurance?

You should have sufficient liability limits to help protect your personal assets in the event you are sued. Comprehensive and Collision insurance if your auto vehicle is relatively new, or if you have a car you could not afford to replace in case of damage or theft.

What is liability insurance in a car insurance policy?

An Auto insurance policy can have up to four different coverages. Liability car insurance is standard and known as part A. The other coverages such as comprehensive and collision are optional. Part A provides liability coverage that protects the insured from lawsuits arising from either the negligent operation or ownership of a covered automobile.

There are two coverages provided in Part A- Bodily Injury Liability (BIL) and Property Damage Liability (PDL). Bodily Injury Liability provides coverage for the bodily injury claims of people you negligently injure in an auto accident. Property Damage Liability in an auto insurance policy provides coverage for any third party property damage that the courts determine you are legally responsible to pay.

Part B in an auto insurance policy provides medical payments to the policyowner and any other passengers in the car involved in an accident.

Part C in an auto insurance policy in an auto insurance policy provides uninsured motorist and underinsured motorist protection for the policy owner. Both coverages in an auto insurance policy are designed to compensate the injured policyowner when the negligent driver has no liability insurance or an insufficient amount of liability insurance under his/her own policy. Part C usually covers only bodily injury losses, but property damage losses are included in some states.

Part D in an auto insurance policy provides for optional physical damage insurance. Most people with older cars or vehicles with low market values choose to do without Part D. Both collision and comprehensive are Part D coverages.

What is the difference between Comprehensive coverage and Collision coverage in an auto insurance policy?

Both collision and comprehensive coverages are Part D in a car insurance policy.

Collision in a car insurance policy is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car parked on a street, the damages to your car will be paid under your collision coverage.

Comprehensive in an auto insurance provides coverage for most other direct physical damage losses you could incur. For example, if a tree falls on your parked automobile, or if your car is damaged from a hailstorm. This would be covered under your comprehensive coverage. Comprehensive also includes the loss of your vehicle due to theft, fire, falling objects, and other covered perils in your auto insurance policy.

Note that both collision and comprehensive pay for physical damage to your car, however it is important to understand the difference between them. Also, the deductibles under the collision and comprehensive coverages are often different in amount.

Do I really need to buy car insurance for an older car that has a low market value?

Most states require drivers to have a minimum amount of liability car insurance since there are compulsory insurance laws designed to ensure that victims of automobile accidents are compensated for their losses caused by the negligent actions of others. Except for this minimum liability coverage, you do not have to purchase Part D comprehensive or collision coverage in your auto insurance policy for a car you consider is too old or not worth protecting for its loss or physical damage.

If I lend my car to a friend, Is he/she covered under my new york car insurance policy?

Yes, as long as the person has permission from you, the policy owner to drive the car or has a reasonable belief that you would have given them permission. Whenever you knowingly loan your car to a friend or associate, he or she will be covered under your auto insurance policy.

Am I covered under my new york car insurance policy when I rent a car?

This question is best answered by your insurance company since there have been changes in what companies cover. At one time most policies would extend coverage to rental cars whenever you rented one. This is not true anymore. In most cases, your personal automobile policy will provide coverage only when you are renting a car on vacation. Most insurance companies do not extend coverage when you are traveling on business. Some companies will extend coverage if you rent a car while your covered automobile is in the shop for repair work. Check with your insurance company for their policy on rental cars.

What should I do if I am involved in an auto accident?

Your insurance policy and state laws have prescribed duties on what you should do. Obviously, First you should see if everyone is all right, and call an ambulance for anyone who is injured. Second, for most accidents in most states, the police should also be notified. Third, you should give the other driver (s) involved in the accident your name, address, telephone number, and the name of your insurance company and/or insurance agent. You also need to get this same information from the other driver (s). Fourth, at the first opportunity you should contact your insurance agent or insurance company, and notify them of your involvement in an accident.

Why do car insurance rates go up when you are involved in an accident or get a ticket?

This is based on studies done by actuaries and statisticians who have studied the claiming behavior of people involved in accidents and who receive tickets. Their study reveals that these people are more likely to have another accident in the next couple of years than those whose driving record has been incident free. Insurance companies use this information to charge a higher premium to people who are more likely to have accidents. Naturally they should reasonably be expected to pay higher premiums on their auto insurance.

What determines what I pay for my New York auto insurance.

There are a number of factors that can affect the cost of your new york car iinsurance. Some of these factors are beyond your control such as where you live and drive. The type of car you drive, the primary purpose of your vehicle, your driving record, and where you live all affect how much you will pay for your automobile insurance. Even your marital status can affect your premium. Married people, according to statistics tend to have fewer and less costly accidents than single people. Whether or not you have filed a claim in recent years may also affect the price you will pay. A new driver may expect to pay more for auto insurance. It is also important not to have a lapse in car insurance as a driver. If you will not be driving for some time we have a low cost plan that will enable you to return as a driver with no lapse in insurance. This insures your rates will not dramatically increase when you return to buy auto insurance.

How can I get the car insurance protection I need but still lower my auto insurance rates?

You can obviously shop around for the best quote. New York Auto Insurance rates can vary by hundreds of dollars for the same coverage on the same car, however be careful each insurer is offering the exact same coverage. Many insurers use the ISO policy forms, but this is not always the case. Another way to lower your new york car insurance rates is to see if you qualify for any of the discounts available. You may also qualify for a good driver discount, or if you have taken a driver education class recently. You may also qualify if you have multiple policies under the same insurer or insurance company. Another way to lower the cost of your new york auto insurance policy is to increase the deductible, but do this only if you can afford it and have the financial resources to pay for a higher out of pocket expenses. You can often reduce your auto insurance premium by five or ten percent this way. Ask your agent or insurance company about their discount plans.

What should I consider before buying car insurance.

There are a number of factors you should consider when purchasing new york auto insurance. First, buy the amount of liability car insurance which makes sense to you. Second, decide if you need optional coverages such as Part D for collision or comprehensive physical damage or loss coverage. If the market value of your car is too low you may decide to forgo this extra cost in your insurance premium. Finally, once you decide what coverages you want you should decide if you should buy car insurance from a mutual or stock company, or if you want an insurance agent to assist you in your auto insurance buying decisions, or if you would like to buy the auto insurance directly from a company that sells insurance over the phone or through the mail. You, the customer should buy new york car insurance from the company that offers you the product and service you want, at the quality you desire, for the lowest cost. Also be aware of the financial quality of the insurance company.