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Auto Insurance

Get the car insurance you need at a price you can afford.

Auto Insurance Coverage Explained

Liability

Liability insurance is a form of car insurance that covers the cost of damages that occur when the driver causes an accident. There are two components of auto liability insurance that drivers are legally required to have in the New York State: Bodily injury coverage and Property damage coverage.

Personal Injury Protection

Personal injury protection (PIP) pays the expenses of an insured person and his or her passengers when no fault can be established. PIP is a mandatory form of auto insurance for all drivers in New York. New York PIP insurance covers three things: medical costs, economic losses and death benefits. The minimum amount of PIP you can purchase in New York is $50,000.

Comprehensive

Comprehensive coverage (AKA other than collision coverage) helps pay to repair or replace your car if it's stolen or damaged by something other than a collision. Comprehensive typically helps cover theft and damage from vandalism and natural disasters, falling objects, fire, hail, flood or animals.

Uninsured/Underinsured Motorist

Uninsured motorist coverage protects you if you're in an accident with an at-fault driver who doesn't carry liability insurance. Underinsured motorist coverage, steps in when you're in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses.

Collision

Collision coverage helps pay to repair or replace your vehicle if it's damaged or destroyed in an accident with another car or a non-moving object, such as a tree or a pole. Once you've paid your deductible, your collision coverage will help pay to repair or replace your vehicle, up to its actual cash value at the time of the loss.

Deductible

car insurance deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. For example, if you're in an accident that causes $3,000 worth of damage to your car and your deductible is $500, you will only have to pay $500 toward the repair. Deductibles apply towards comprehensive and collision coverages.

Auto Insurance Rating Variables

Age and Gender - Females between the ages of 25 - 65 typically get rated best. Young and inexperienced drivers, as well as senior citizens, see higher rates because statistics show drivers in those demographics experience higher frequency of claims.

Driving History - Accidents and violations will increase rates. Each occurrence will typically be factored into rates for at least three years.

Credit - Credit history is a substantial factor in insurance rates. The better your credit, the lower your premiums will be. There are proven statistics that show people with good credit have fewer insurance losses.

Type of Vehicle - The make, model, and year of your vehicle, as well as any safety features, customizations, and upgrades, are all apart of determining rates.

Household - Most insurance companies will rate everyone in the household. They will judge everyone who lives at the residence to determine the probability of loss.

Location - Where you live and drive the vehicle will also factor into your rates. Living in a more populated area leads to more chances for accidents and a higher chance of theft and vandalism.

Ways to Save on Car Insurance

  • Take a defensive driving course
  • Bundle your home and auto
  • Improve your credit history
  • Lower your deductible
  • Sign up for paperless billing
  • Sign up for automatic withdrawals

Get on the Road with Coverage you can Count on

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