affordable car insurance in new york state
New York car insurance rates can vary as widely as its regions. Vineyard-covered hills of the Finger Lakes. Icy roads in Buffalo. The lively, crowded streets of Manhattan. In fact, living in the city alone presents some pretty unique circumstances for your auto insurance. Car theft, for instance, can significantly impact New York City car insurance rates. Downtown Brooklyn and the Meatpacking District have among the highest counts. So if you've outfitted your car with safety features, you want an insurer who'll reward them with an array of discounts. That's but one way we help bring down that price tag.
Granted, Manhattan isn't the most drivable place. So if you're moving from upstate to the city, you might leave your car behind. Just keep in mind that you still need New York State-issued liability insurance in your name for any registered car. Even if you don't drive it. That way, the DMV won't suspend your drivers license and registration.
Also required in the Empire State is no-fault insurance. That means you have to carry personal injury protection (PIP) coverage. If you're purchasing car insurance for first-time drivers, make sure you're familiar with the Graduated License Law. It places special restrictions on drivers of any age with a learners permit as well as drivers ages 16-18 (called "junior drivers"). The specific rules vary depending on whether you live in Upstate New York, Long Island, or any of the five Burroughs of NYC.
Looking for free online car insurance quotes? Start with Esurance. It's fast, free, and helps you customize your coverage with a New York state of mind.