CHEAP NEW YORK STATE AUTO INSURANCE

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We'd like to ask you a question. Do you have any idea whether you are paying more than necessary for your auto insurance in Rochester NY?

There is a way to find out. We can get quotes for you from several companies who insure in Rochester.

Then you can look over those quotes and determine which one is your best option.




Auto Insurance is a "MUST HAVE" in NY State


If you plan to register a car in New York and get license plates for it, the law requires that you either buy automobile liability insurance coverage or provide proof of financial responsibility in amounts at least equal to the minimum amounts that the law requires.

If you choose the insurance policy option, the coverage must be through an insurance company that is licensed by the NY State Insurance Department.




Possible Auto Insurance Discounts


You may qualify for one or more of the discounts that insurance companies offer. Listed below are some that could be available for you.

A DMV-approved accident prevention course - The course can be taken in a classroom or online, and insurance companies must give a 3-year discount for successful completion.

Anti theft devices - If your vehicle is equipped with an alarm system, or if it has an electronic-tracking device, a discount may be available.

Good Student - A discount is usually given for a full-time student with a B average or better.

Restraint system - Air bags and automatic seat belts should qualify your car for a discounted premium.

Good driver - A good driving record with no tickets or accidents often earns a discount.

Multi policy - If an auto insurance policyholder has homeowner's or another type of insurance with the same company, there will possibly be a discount

Find out what discounts are available to you. Then take advantage of the ones for which you and your household are eligible.




Minimum Liability Car Insurance Coverage


The minimum amounts of liability coverage allowed by the state of New York on a motor vehicle are as follows:

- $25,000 for bodily injury (not resulting in death), or $50,000 for any injury resulting in death, suffered by any 1 person in any 1 accident

- $50,000 for bodily injury (not death) occurring to 2 or more people in any 1 accident, or $100,000 for injuries that result in death occurring to 2 or more people in any 1 accident - using the per person amounts listed above

- $10,000 property damage liability coverage per accident for damage to another person's property




" Bumper Quality "


In New York State all new vehicles are required to have a "bumper-quality" sticker.

This sticker clearly specifies the maximum speed at which that particular vehicle would sustain absolutely no body damage and would only sustain minimal damage to the bumper and the attachment hardware.

Those are key factors for an insurance company in determining insurance rates.





Reporting An Accident

If you have an automobile accident, be sure to report it right away to your insurance company and to the local police.

Should the damage in the accident amount to more than $1,000, or if anyone is injured, an accident report MUST be filed with the Department of Motor Vehicles.

The form to use is MV-104, and it will usually come with the claim forms that you receive from your auto insurer.






We know your time is valuable. That's why we created this site to allow you to get several quotes quickly so you can make a wise buying decision.

Don't keep overpaying for your auto insurance.
Put your zip code in the box above, and we'll help you save some money.







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