Wha you need to know about auto insuranc ein New York State, as you already know it is the LAW to have auto insurance coverage!
State Insurance Requirements
New York state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 UM limits.
New York Coverage:
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $50,000 Limit
The state of New York follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. New York state law requires a minimum Personal Injury Protection coverage of $50,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New York state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).
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2007 had the first decrease in rates since 1999. Expect a .5% to 1% decrease in car insurance rates from 2006 insurance rates! 2008 should follow in the first half, but then rates will follow their normal cycle and increase slightly. This will force consumers to shop reliable sites like SyracuseAutoInsuranceQuotes.com to find better rates. Sites like SyracuseAutoInsuranceQuotes.com have facilitated the change by bringing competition directly to the consumer and by lower your costs through technology!
As the years go by the insurance rates also change and by ignoring the rate changes in New York, you might be paying more than you need to. Just one year earlier, the average auto insurance premium in 2002 was about $1,240, that's an increase of about 5.89% in just one year! Don't waste your money paying high insurance premiums, start saving now by requesting an online quote from SyracuseAutoInsuranceQuotes.com now.
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