New York City Car Insurance – Instant Auto Insurance Quotes

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Driving around the Big Apple will test the mettle of any serious motorist, which is why getting New York car insurance quotes are so important for the city’s residents. It is the only way you can be sure you get the proper coverage at the lowest price. Simply enter your zip code above to begin the process now.
Contents:
  1. Agents
  2. Average Rates
  3. Driving Information
  4. New York State Insurance Laws
  5. Getting Your Quote
Alternatively, you can keep reading to learn more about the various facets of New York city car insurance. Topics include finding a local agent, learning about typical auto insurance rates and the laws of the state as a whole. Keep reading to learn more or get a quote above to start saving money now.
New York City Car Insurance Agents
Given the fact that New York City is far and away the biggest city in the United States, there are many insurance agents and companies based there. Here are just a few of the many companies with locations in and around New York.
New York Allstate Insurance Agents
AllState has 40 agents in New York city proper at the current time. Alternatively, if you can’t find an agent close to you, you can also buy a policy from their website.
New York Geico Insurance Agents
Amazingly, Geico does not have a single New York City based agent. Instead they like to focus on selling policies online.
New York Progressive Insurance Agents
There are currently 10 local agents and brokers in New York city authorized to sell Progressive auto insurance policies.
New York State Farm Insurance Agents
Given it’s focus on local agents rather than selling online, it’s no wonder State Farm has the most New York based insurance agents. At the current time they have over 50 agents who can help you with the various aspects of the insurance buying process.
Your insurance agency not listed? If you own an insurance agency that has a location in New York City and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
New York City Auto Insurance Rates
As with all big cities, it is not cheap to buy auto insurance in New York. According, to CarInsurance.com the average quoted price for a policy in New York City is nearly twice the national average. Currently, the average online quote is about $2,710 in NYC compared to just $1,440 for the US as a whole. So you can see why getting instant New York auto insurance quotes is so important.
You can get more detailed information by looking at New York auto insurance price tables from the Insurance Department’s website for New York county.
Driving in New York City
One way to keep your driving and insurance costs low is to stay accident free. A good first step in staying accident free is to avoid traffic and know where you’re going before you leave home. There are a few resources that can help you such as the New York City Department of Transportation’s Real-Time Traffic Cameras. You should also check out the Federal Highway Administration’s Guide to New York Traffic and driving information.
INRIX New York City Traffic score card also lists problem intersections and other information about driving in New York. Finally, NY.com has a good guide to information about driving in New York City, including links to many useful resources. Remember just a small amount of planning before hand can prevent you from getting in an accident.
New York State Auto Insurance Laws
As you’re likely already aware New York City does not set it’s own auto insurance laws; they are passed at the state level. The most important points to know about New York’s auto insurance lawsminimum required liability coverage and you must always show proof of insurance if requested to do so by a law enforcement officer. are that it is a ‘no-fault’ state, you are required to have insurance coverage for all vehicles you own with at least the
It is important to note that you will be held responsible for any failure in meeting your auto insurance requirements. Penalties can include fines for minor offenses to criminal charges in the case of serious things like fraud. You are highly recommended reading the New York Department of Insurance’s Consumer Guide to Automobile Insurance. It outlines in far greater detail what insurance you are required to have when you own and drive a car in the state.
New York City Car Insurance Quotes For Protection
In the city that never sleeps, one never knows what can happen next. Gypsy cabs are abound and trucks can pop out from every corner, it would be best to have you and your vehicle covered by a good auto insurance policy.
It can safeguard you against accidents and other mishaps that could occur on the mean streets. Protect yourself against trouble with car insurance and you can breathe easier just in case these things happen.
Getting New York City Car Insurance
Instant online car insurance quotes can lead to finding rates from multiple companies quickly and easily. Your application and approval can be best rushed, if you have a clean driving record and if you drive a good vehicle.
Those who have luxury cars or poor driving records may find buying insurance a little more time consuming and certainly more expensive. Installation of safety features such as airbags, proper lights and anti-theft devices may help you get a lower price on your policy.
While most car insurance companies can offer workable rates, make sure you choose a car insurance quote that will work best for you. You can use our website that compares insurance quotes or get in touch with a car insurance expert or agent. They can provide advice and will help you work out which car insurance deals can be manageable for your needs.
Yet, even in that case it is helpful to get a few New York City car insurance quotes to make sure you are getting the best price you can for the coverage you need.

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Glen Cove Car Insurance

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Glen Cove car insurance should be looked at when you are thinking about the conditions you deal with as a local New York resident. This can have to do with the amount of traffic you deal with every day, how far you commute work or personal reasons, and what typically causes accidents around the city of Glen Cove specifically. This will give you an idea of what basic vehicle coverage options you should include in your policy so that your car insurance plan is customized to exactly what you need. If you want to find some statistics for Glen Cove in the state of New York, you can either acquire these from your Glen Cove car insurance agent or you can look up some online resources. This will give you statistics for how many accidents occur daily, what the average reason is and how you can avoid them personally. Of course, defensive driving is always going to be your best offense in these Glen Cove conditions, but there are other things you can do to improve your car insurance plans and make it even more effective.

Purchasing Aftermarket Safety Items

In terms of making your vehicle as safe as possible for your Glen Cove vehicle insurance policy, then you can talk to your broker about specific things that can be added as aftermarket accessories. These are great because they include things like anti theft devices, backup cameras, and other warning systems that will let you know when a situation is developing. In fact, the more time goes on, the more helpful the technology in our cars becomes. This means that even if you are an average driver with not very much experience, you can use the additional advantage of these tools to increase your awareness daily. When your vehicle is constantly reminding you about a particular issue, then you are bound to become more aware of how you can stay on top of it to prevent those notifications. Obviously, the tool is doing its job because it's keeping you in check in terms of what you should be watching out for and not being distracted from.
Also, your Glen Cove automobile insurance will be based on the type of vehicle that you drive. Some models are certainly safer than others, especially when you consider the risk that is involved with a motorcycle or some other form of sport vehicle. Usually, the rule is that the smaller the car, the larger the Glen Cove insurance payment will be. This doesn't have to be true for everyone because there are exceptions in terms of driving record and safety records that certain drivers have maintained for longer periods of time. This means when their company looks over their Glen Cove car insurance record, they will see a very low number of accidents and traffic tickets and will reward them with increased NY car insurance discounts. As they continue on, they will receive coverage at lower prices than are quoted to brand new customers with a higher number of at-fault accidents and citations.

Doing Complete Price Comparisons

When you find yourself shopping for Glen Cove auto insurance, just make sure you check around with several different New York providers to make sure you're getting the best deal. While they may all offer about the same type of plan, the level of service will be different with each of them. Depending on how involved you would like your Glen Cove broker to be with your business transactions, you can evaluate their effectiveness by how quickly they respond to your NY car insurance requests. These can be submitted either directly using phone messages or online using e-mails. Whatever your preferred method of communication is, you should let them know right away so they can send you data and replies in the most efficient manner possible. This will be the one that allows you to continue on with your daily schedule without interruption and review the Glen Cove car insurance answers whenever you have time.
When you're looking at statistics for Glen Cove car insurance online, you'll notice that the specific websites that are posted for this purpose are very user friendly. It's not difficult to see where you should go to obtain certain answers or where particular articles are posted that will explain various portions of your coverage. This is why Glen Cove consumers use these tools so often because they are very helpful and they give you a lot of answers before you have a direct conversation with anyone. After looking through and absorbing this Glen Cove car insurance material, you'll be able to approach any meeting, whether virtual or not, with more confidence and knowledge to back up the various NY Nassau county car insurance topics that you discuss.

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New York Auto Insurance Coverages

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Whether you live in Buffalo, Syracuse, Albany or Loon Lake, with so many companies offering auto insurance in New York, how do you know what car insurance is right for you? Allstate offers a variety of auto insurance policies, optional insurance coverages and many other products available in New York. As your auto insurance needs change, your local Allstate agent can work with you to help you make the right choices. If you have a teen driver, there are other considerations such as New York's Graduated Driver Licensing laws (see chart below).

For more information on this state, visit the New York State Information or New York State Catastrophe Information page.

New York Auto Insurance Coverage Scale

Allstate can help you decide how much auto insurance coverage is right for you. Each state, including New York, has different minimum required auto insurance coverage levels, as shown in the chart below. Use this chart to learn more about New York's required coverage levels and the most common car insurance coverages.




Coverage
State Requirements
Most Common

Bodily Injury Liability
25,000/50,000
100,000/300,000


Property Damage Liability
10,000
50,000


Uninsured Motorist Bodily Injury
25,000/50,000
25,000/50,000


Medical Payments
Not required
100,000


Collision
Not required
500 deductible


Comprehensive
Not required
500 deductible


Personal Injury Protection
Required
200 deductible

New York Graduated Driver Licensing

Graduated Driver Licensing (GDL) laws are one of the few things that have been proven to save teen lives. New York has its own variation of these laws that both you and your teen should be familiar with. You may want to discuss the New York GDL laws with your teen and use them as a foundation for rules you set for your teen driver.




Minimum Entry Age
(Optimal: 16)
16, Has optimal provision


Extended Learner Period
(Optimal: at least 6 months)
Has optimal provision


Parent Certification
(Optimal: 30 hours minimal)
Has optimal provision


Night Restriction
(Optimal: 9 or 10 p.m.)
Has optimal provision


Passenger Restriction
(Optimal: No teenager passengers or only one-family excepted
Has optimal provision


Minimum exit age/ Minimum age at which restrictions are lifted
(Optimal: 18)
17

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New York Car Insurance: Cell Phone Law - Better Safe Than Sorry

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Over the past decade, cell phones have evolved from luxury items to absolute necessities for most on-the-go Americans. Consumers now use cell phones not only for business and personal calls but also to text message, take pictures, and even listen to their favorite music. The omnipresent nature of cell phones is not, however, without a price as the National Traffic and Highway Safety Administration (NTHSA) estimates cell phone-related car accidents are on the rise with distracted drivers causing over 25% of all police-reported traffic accidents.
Concerned with the impact of cell phone use on driving safety, New York lawmakers have enacted cell phone laws banning the following types of drivers from using cell phones while driving:
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  • Learner`s permit holders
  • Drivers younger than 18 years old
  • School bus drivers
New York has also implemented a state-wide ban on the use of hand-held cell phones while driving. Connecticut, New Jersey, and the District of Columbia have implemented similar state-wide bans on hand-held cell phone use in an effort to reduce cell phone-related traffic accidents. Drivers caught using a hand-held cell phone while driving in New York will face a $100 fine.
If you must use a cell phone in your car in New York, safety experts recommend that you follow the following guidelines:
  • Use a hands-free phone
  • Keep your eyes on the road at all times
  • Never dial while driving
  • Avoid using your phone in bad weather or heavy traffic
  • Avoid stressful conversations while driving
  • Never look up phone numbers while driving

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New York Auto Insurance: State Insurance Department - Looking Out for You

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When shopping for insurance in the state of New York, residents can rest easy knowing that the New York State Insurance Department (NYSID) has their best interests in mind. Responsible for the regulation of New York`s insurance industry, NYSID oversees all types of insurance policies including:
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  • Auto
  • Health
  • Home
  • Life
  • Long-term care
  • Worker`s compensation
The principal responsibility of NYSID is to protect New York consumers. NYSID does this by:
  • Licensing insurers and insurance companies to do business in Ohio
  • Regulating insurance contracts and rates
  • Protecting against insurance fraud
  • Ensuring that insurance companies comply with Ohio law
  • Ensuring that insurance companies abide by their own policy language
  • Processing Ohio insurance consumer complaints
  • Monitoring and reporting annual insurance complaint rates
  • Providing Ohio residents with comprehensive insurance guides
Licensing Insurers
The NYSID manages the licensing process for all insurance companies, agents, adjusters, and groups in the state. Licensing procedures ensure not only that insurance companies are financially secure but also that individual agents are well-versed in New York state insurance laws through pre-licensure and continuing education coursework. The NYSID also reviews all insurance products to verify that they comply with the New York Insurance Code`s rules regarding insurance contracts and rates.
Through the NYSID, consumers can verify:
  • Whether an insurance company is licensed in New York
  • Whether an insurance company is licensed to sell a specific line of insurance
  • Whether an agent is licensed in New York and a legitimate representative of the insurance company Whether an insurance company has a good record of handling policy complaints
Protecting Consumers
Beyond licensing, the NYSID works on a number of fronts to protect New York insurance consumer interests. The agency actively seeks to help consumers resolve their insurance-related disputes by reviewing and investigating consumer complaints. The New York State Insurance Department also seeks to limit disputes by providing consumer guides to help residents better determine their insurance needs. A complete list of these guides, including the New York Shopper`s Guide to Automobile Insurance, can be found on the NYSID website
In addition to managing consumer complaints, the NYSID polices all other insurance activities in New York. The NYSID Superintendent works diligently to protect consumers by prosecuting insurance fraud scams, revoking the insurance licenses of those who violate the New York Insurance Code, and issuing cease & desist orders to stop sales of unlicensed insurance products. The Superintendent also publishes regulations to ensure the proper implementation of the New York Insurance Code.
For more information regarding New York insurance laws as well as complete information about the New York State Insurance Department, please visit the NYSID website.

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New York Auto Insurance: Speed Traps and Your Safety

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The speed trap. Mere mention of this law enforcement technique causes many a heart rate to increase and a lead foot to cringe. After all, we all know we`re not supposed to speed but do the police have to be so sneaky to catch speeders?
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In New York, the answer depends on who you ask.
According to the National Motorists Association (NMA), a non-profit political interest group, many consumers are concerned that speed traps are a dubious means by which New York municipalities generate additional, non-tax revenues to pay for equipment and salaries. The hallmarks of such a speed trap may include:
  • Abrupt speed limit changes
  • Absurdly low speed limits
  • Confusing signage
  • Abrupt changes in terrain
  • A disproportionate number of tickets issued to non-local residents

According to the NMA, speed traps may actually decrease public safety by:
  • Causing motorists to decelerate unexpectedly
  • Adding to gridlock during high-volume traffic hours
  • Reducing the reasonable flow of traffic based on prevailing road and weather conditions

Because fines from speeding tickets effectively lower local taxes, local residents have little incentive to question the wisdom or legality of speed traps in New York. For that reason, the NMA established its "Speedtrap Exchange," a volunteer-driven website that documents the location and nature of speed traps nationwide (see www.speedtrap.org). According to the Exchange, New York has over 1,000 documented speed traps with more being identified every day (http://www.speedtrap.org/speed-traps/show/New York/).
Regardless of such laws, it remains the clear obligation of every New York driver to obey posted speed limits and other state laws regulating the speed of vehicles in relation to emergency vehicles and accident scenes. The best bet to avoid a speeding ticket in New York is to follow the letter of the law by by making sure you:
  • Familiarize yourself with New York state speed limits
  • Obey all posted speed limits in construction and high-traffic zones
  • Slow to reasonable speeds when approaching accident scenes
  • Slow to reasonable speeds and move to the opposite lane when passing a stopped police cruiser

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New York Auto Insurance: Radar Detector Law & Legal Issues

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Thanks to rapid advances in technology, speeding-"or perhaps more accurately, avoiding speeding tickets-"is big business in the United States. The "Fuzzbuster" technology of the 1970's has evolved into a dizzying array of radar detectors, laser detectors, scanners, jammers, and stealth coatings designed to elude law enforcement officials. In fact, recent estimates suggest that over 10% of all drivers employ some sort of "radar-busting" technology on our nation's highways.
Are "radar busters" like these legal? The answer in New York depends on the type of technology you use and how you use it.
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Radar & Laser Jammers
Under New York law, the use of radar and laser jammers is illegal. It is also a felony under federal law to jam or attempt to jam police radar signals. Many states also criminalize the mere possession of a radar jammer, so it is best to avoid such products altogether.
Laser jammers, on the other hand, are not banned by either federal or New York law at this time. However, check all local laws before trying a laser jammer, since their use, sale, and possession are banned entirely in several states (CA, CO, IL, MN, UT, and VA).
Police Scanners
The use of police scanners is illegal in New York without a permit (see New York Scanner Laws.)
Stealth Coatings
To date, neither New York nor any other state has banned the use of stealth coatings to impair the ability of police LIDAR laser guns ("Light Detection and Ranging") to obtain an accurate speed reading of a vehicle. Stealth coatings first gained notoriety due to their defense applications (such as with the Stealth Bomber). Their efficacy on the roadways, however, remains to be seen-"although some testers claim that stealth coatings can reduce laser gun sensitivity by over 60% (see the RadarBusters Stealth Coating tests).
Radar & Lidar Detectors
Under federal law, the use of radar and lidar detectors is illegal in all commercial vehicles over 10,000 pounds (see an overview of radar and laser detector laws). For all other purposes, radar and lidar detectors are legal in New York.
In light of the obvious conflict between speeding laws and radar detector use, law enforcement officials, safety advocates, and insurance companies continue to lobby legislators nationwide to ban the use of radar and laser detectors altogether. Thus far, they have only been successful in banning radar detector use in Virginia, Washington D.C., and on U.S. military bases.
Some speculate that one of the reasons that legislatures have been loathe to ban consumer use of radar detectors is that such bans could expose the inaccuracy of radar and laser-based speed detection systems. Independent studies have shown that radar and laser guns are susceptible to technical and operator error, leading some radar detection advocates to claim that over 25% of all radar-based speeding tickets are generated in error (see Radar and Laser Gun Mistakes). Some of the more common reasons for errors include:
  • Radio Frequency Interference (RFI) from sources such as radios, garage door openers, and police radar
  • Cosine errors generated by an inappropriate angle of the gun to the target
  • Mechanical errors caused by guns overheating or being out of alignment
Regardless of the accuracy of speed detection systems or the legality of radar detectors, one fact remains crystal clear in New York-"speeding is against the law. Accordingly, the best advice is for New York drivers to rely on their common sense, rather than technology, when assessing the proper speed for the prevailing road conditions. For more information on safe driving in New York, please visit the New York DMV site. If you're interested in learning more about radar detectors, please visit the Buyer's Guide.

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