The Biggest-Ever Guide to Auto Insurance in New York

New York City is home to almost 20 million inhabitants, and is currently the third most densely populated area in the country. These statistics equate to a massive number of road users and offers some explanation regarding the high auto insurance rates applied throughout the state. Auto insurance is a legal obligation in New York, and must be purchased to meet financial liability requirements in the event of a road traffic accident.

Finding the perfect auto insurance policy and the best auto insurance rates can often be a matter of trial and error, but developing a thorough understanding of the marketplace and the legal obligations that face every New York driver can make the task much easier. The mandatory levels of auto insurance in New York are £25,000 worth of bodily injury liability per person, $50,000 worth of bodily injury liability per accident and $10,000 worth of property damage liability.

Because New York roads and highways are so congested, there are a larger number of uninsured and underinsured motorists. State law requires all road users to purchase $25,000 worth of uninsured/underinsured coverage per person and $50,000 worth of uninsured/underinsured coverage per accident. It is also a mandatory requirement to purchase personal injury protection, which pays for ‘reasonable and necessary’ medical expenses for the policyholder and their passengers after an accident. Personal injury protection is set at a minimum $50,000 limit.

The higher rates so often associated with New York auto insurance sees consumers using increasingly complex methods to save money on annual quotes. Perhaps the best way to lower auto insurance rates is to choose the best price comparison website before making a decision on a policy purchase. Some price comparison websites offer more than one product and in most cases, they failed to specialise in any particular category. When choosing a price comparison websites that only deals in online auto insurance quotes, consumers are likely to find better discounts, information that is more comprehensive and a wider choice of auto insurance providers.

Promiga Auto Insurance Quotes choose to work alongside the very best carriers in the current marketplace, and only form partnerships with companies that have enjoyed the highest ‘A’ rating in independent consumer reviews. With names such as State Farm, Geico and Progressive amongst our extensive list of expert providers, visitors to our website can always be assured of the best possible deal. By forming business friendships with household names that are known and trusted, Promiga are able to provide online auto insurance quotes that continually beat those provided by our competitors time and time again.

Want to know how bring down those auto insurance rates even further? Promiga excel in providing premium quality informational articles so that our website visitors can apply for auto insurance quotes in complete confidence. Our website has grown to become one of the biggest authorities in the global auto insurance marketplace and we can provide detailed information for road users from London to Los Angeles. As well as helping US motorists find the perfect levels of coverage for their vehicles, Promiga also offer an extensive range of money-saving tips that can shave hundreds of dollars from your next auto insurance quote.

We’ll show you how something as simple as increasing your deductible figure can bring your auto insurance rates crashing down. Many motorists who enjoy years of accident-free driving remain unaware of this useful auto insurance tip, and could be saving themselves thousands of dollars over the lifetime of a vehicle registration with this one single tip alone. Promiga will also show how a simple check of your credit rating and a few basic adjustments can qualify road users for huge auto insurance discounts. Even young drivers, who have a notoriously difficult time finding cost-effective auto insurance, can find ways to lower their coverage costs without making any significant lifestyle changes or driving compromises.

New York drivers can find out the true benefits of maintaining a safe driving history, how to minimize their annual mileage to enjoy cheap auto insurance quotes and how different home and auto insurance policies can be ‘bundled’ together to save even more money on typical rates. Promiga will even show you how to secure cheaper auto insurance quotes even if your vehicle is parked outside overnight. Don’t believe us? Just remember to come back and say thanks when this unbelievable tip actually saves you money!

Promiga supply all of their auto insurance quotes completely free of charge, and there is never any pressure placed on our consumers to actually make a purchase through our dedicated website. Seeing is believing and at Promiga, we know that our growing army of New York road users would never purchase an auto insurance deal through anybody else.