New York auto insurance rates can be quite a bit higher due to population as well as other statistical reasons. Finding a cheap insurance rate in New York can be tough. If you have an older car you may just want to go with liability only. Liability limits required by the state of New York car 25/50/10. 25 and 50 represents bodily injury coverage and 10 represents $10,000 worth of property damage coverage. Liability coverage will only pay for the other guys injuries or property damage. If you don’t need comprehensive and collision going with liability only will save you some money. You may want to consider lifting your liability limits up some just to make sure you are financially protected. There are many cars out there worth over $10,000. Injuries can also exceed $25,000 quickly in the event you are in a serious auto accident.
If you do want comprehensive and collision you may want to raise your deductible up some to get a cheaper rate. Just make sure you know the deductible is the amount you must pay before the insurer will pay on any claims you make.
New York Insurance Agents
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