From the time you first learn how to drive to the time when you buy your first vehicle you must have car insurance. When you are going to get New York car insurance quotes there are some things you need to look for. Free online quotes available at newyork-insurance.website.
- Try to get the best car insurance rates you can. Shop around and check with as many insurance agencies as you can. Not all car insurance companies are the same and you will be surprised and happy that you checked with as many as you did. The last one you call could very easily give you the best rates. If you are unsure about the company, check the testimonials online or ask your friends and family members who they have their car insurance through.
- Make sure you ask what criteria the company uses to determine the cost of your insurance policy. If they use your credit score and your score is less than perfect, you are going to be penalized for something that may not be your fault. You may have had a good score until you became ill last year and ended up in the hospital. In some states it is not legal for an insurance company to use your credit score to figure out your premiums.
- Ask what discounts they offer. It’s hard to know if you qualify for any of them if you don’t know which ones they have. Some of the more popular discounts include: safe driver, good student, military personnel, attendees of a driving school or a defensive driving class, and safety devices on your vehicle.
- Find out if they offer other types of insurance besides auto. If they have homeowners insurance or life insurance you may want to switch your existing policies to this company so you can get a cheaper rate by bundling your policies. Whenever you have all your insurance policies with one company you will pay less for the total than you would for each policy individually.
- Know the mandatory liability insurance that is required for your state and the minimum amounts you must have for each. For the state of New York you must have $25,000 liability to cover injuries for each person and $50,000 for all; $50,000 to cover death expenses of one person and $100,000 for more; and $10,000 to pay for property damages.