In the United States, getting insurance for your car is a necessity. Aside from the fact that this is according to the law, it is also important for you and your loved-ones in case you meet an accident while driving. And in order to get the best insurance terms, with policies, coverage, and premiums that really fit your needs and capabilities, you should acquire a reliable New York Car Insurance Quote.
You should ask insurance companies several important questions and be sure to have choices before finally dealing with one. You must remember some minimum requirements that should be included in a good insurance plan:
- In 2009, $2,432 is the standard amount of auto insurance premium for people living in New York while $1,794 is the national average. The New York car insurance quote rates are high because of the frequency of road incidents in the state. The range will vary from company to company, depending on the length of time that you will have to pay for premiums, as well as the personal driving history and kind of vehicle that you are driving.
- Policy of insurance for car accidents in New York must cover Bodily Injury Liability with minimum limit of $25,000 for each injured person amounting up to $50,000 for each accident, and $10,000 minimum limit for Property Damage Liability. This is in accordance with state law. This basic coverage often referred to as 25/50/10 coverage.
- New York follows a No-Fault system, which simply means that in an accident, no one is declared at fault and liable to pay for damages to the health and property of the opposite party. The reason of doing this is to provide immediate medical attention to people with injuries. However, your New York car insurance quote should still have terms that can cover damages to property or passersby that have been harmed by your vehicle.
To look for the best New York car insurance quote, you can find an invaluable resource at http://www.01insurance.com/.
Tuesday, December 8, 2009
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