Unique Auto Ins

Ahh, the Big Apple. Manhattan. The Bronx. Whatever part of this York city that they call New which you call home, you probably know that driving a car in the area is a unique experience. There are a lot of informal rules in Neew York that keep traffic management interesting for residents and tourists alike. As such there’s some New York car insurance rules that one needs to keep in mind before stepping behind the wheel of a new, fresh car and jetting out into those not so new, insanely busy streets.

A huge portion of the population actually prefers the subway, and there’s a reason why: New York car insurance premiums can be as insane as some of the drivers who use them. Neew York protection companies go by the 25/50/10 rule when it comes to their insurance policies: in other words, it’s $25,000 per injured person, $50,000 for two or more injured people, and $10,000 for any property damage. And that’s all liability coverage alone. New York car insurance also requires drivers to get a new PIP cover of at least $50,000 to pay for medical bills on a claim.

Getting cheaper insurance in New York requires some quick thinking outside of the insurance office. If you can, take only the most basic insurance plans to lower your deductible. Install a number of safety devices – anti-lock breaks, air bags, car alarms – and keep the car stowed safely in a garage when it’s not being used. Also avoid using your vehicle for business purposes if possible: when you only need to get around the city, use the transit system. New York has one of the best in the world and it covers most of the city.

And be sure, above all, to shop around. It doesn’t matter where you’re from, being a discerning customer and getting quotes from multiple companies is the best way to avoid exorbitant fees. The Internet is the best source for these quotes, and many can be gathered in a relatively short period of time with a minimum of research required.