Personal Auto Insurance
If you drive a car in New York, then you need to have auto insurance. When you're living in the Riverhead, North Babylon, and Huntington Station areas, Atlantic Agency, Inc. is here to help you understand the requirements and set you up with the best policy for your needs.
Minimum New York Auto Insurance
By law, all vehicles registered in New York must be covered under a liability insurance policy. You need to have at least $10,000 of property damage liability coverage, which pays for damages to other vehicles. You also need at least $25,000 per person and $50,000 per accident of bodily injury liability insurance, which pays for medical costs of other people injured in the accident. You need the same amount of uninsured and underinsured motorist coverage. In addition to the liability insurance, you also need a basic personal injury protection (PIP) insurance policy. This is because New York is a no-fault state. This policy of at least $50,000 covers your injury expenses if you're injured in an accident, regardless of whether you or the other driver was at fault.
Cost of Auto Insurance in New York
The cost of your policy can vary widely, depending on several major factors. When you're living in Huntington Station, North Babylon, or Riverhead, your rates won't be anywhere near as high as they would be in the NYC metro area. Your driver record, type of vehicle, and credit score are a few factors that can also affect your rates. As you start looking into policy quotes for your car insurance, you'll want to compare premiums from several different companies. In addition, you want to ensure you're getting all the discounts you qualify for. Use an independent agency like Atlantic Agency, Inc. to gather quotes online so you can compare rates and find the best deal.