PERSONAL INSURANCE

Compare Personal Auto Insurance Quotes in New York

The state sets the floor. What you pay, and who writes it, is still open.

New York will not let you register a car without insurance, or let the coverage lapse while the plates are yours. Everything above that line is negotiable. We are a brokerage in East Elmhurst, Queens, so one set of details from you brings back quotes from several carriers.

What New York Requires You To Carry

A New York policy has to include at least $25,000 for bodily injury to one person and $50,000 for everyone hurt in one crash, rising to $50,000 and $100,000 where someone dies. Property damage is $10,000 for any one crash.

Two more coverages come with the policy and most drivers never think about them until a claim. No-Fault, or Personal Injury Protection (PIP), provides up to $50,000 per person for covered economic losses such as medical expenses, part of lost earnings and certain necessary expenses, regardless of who caused the crash.

The policy has to come from a company licensed by the Department of Financial Services and authorized by DMV, and stay in force as long as the car is registered here.

Why Most Drivers Buy More Than The Minimum

Ten thousand dollars of property damage is one moderate repair bill in this city. The gap between what the state requires and what a claim actually reaches is yours to pay.

Higher liability limits do not increase every premium by the same amount. We can price several limit options side by side so you can see the actual difference before choosing.

What Auto Insurance Costs in New York

The Insurance Information Institute puts New York's average personal auto expenditure at $1,935 in 2024, fourth highest in the country.

That is a state average, not a quote, and not a New York City one. City drivers commonly pay above a statewide figure, and your own number moves with the car, the garaging address, your record, the limits and the deductible.

People searching for cheap car insurance ny want what everyone wants: the lowest price that still pays a claim. We will not put a number in front of you before we have seen the risk, and we will tell you what the cheapest carrier is asking you to give up.

The ten percent discount written into state rules

New York's Point and Insurance Reduction Program is not a carrier promotion. Finish an approved accident prevention course and your insurer must cut the base rate on your liability and collision coverage by ten percent a year for three years. Take it again every 36 months and it keeps running.

There is no age limit. It comes up most often in conversations about auto insurance for seniors, because retired drivers have the time to take the course, but any licensed driver can. Only the principal operator on the policy gets the reduction.

What a broker does that a carrier website cannot

A car insurance broker works for you. An agent represents the company that appointed them, and a carrier website only ever shows you one company's answer. Searches like auto insurance new york and auto insurance brokers near me tend to end in the same place, with someone doing the comparing on your behalf.

That is the job people have in mind when they type car insurance broker near me. Ours is on 31 Avenue in East Elmhurst and you are welcome to walk in. Auto also runs alongside the rest of our personal insurance.