Automobile Insurance

Find your policy at the lowest price!

Before we start looking at the various car insurance policies and rates, there are a few laws that you need to be aware of. New York law requires that all registered vehicles carry Liability Insurance, No-fault insurance, Uninsured / Underinsured and Property Damage Insurance. Some optional car insurance coverages include: Collision, Comprehensive, Personal insurance protection (PIP), Medical Payments and OBEL.

Save money with car insurance Discounts

See if you qualify for the following Discounts:

• Good driving history
• Bundling your car and homeowner insurance with one company
• Vehicle safety features: Airbags, Alarm, Anti-lock brakes, etc
• Multi-car discount, insuring more than 1 vehicles under the same policy
• Defensive driving certificate, within last 3 years.

Auto Insurance Coverage Explained

Liability Insurance: Provides insurance coverage if you or a covered driver is legally liable for damages resulting from a covered auto accident where others are injured or killed including if the loss is considered at no-fault.

Property Damage Liability: Provides insurance coverage if you or a covered driver is legally liable for damages to another’s property resulting from a covered auto accident.

Uninsured / Underinsured Motorists Insurance: Typically provides insurance coverage for you and other covered persons injured or killed in an accident caused by a negligent uninsured or underinsured driver.

Collision Insurance: This auto insurance coverage helps pay for damage to your insured vehicle caused by a covered accident with another vehicle or a collision with most anything else, such as a tree.

Comprehensive Insurance: This auto insurance coverage helps pay for damage to your insured vehicle caused by falling objects, fire, theft, vandalism and certain other non-collision losses.

Medical Payments Coverage: Pays for physicians, hospital bills, funeral costs, and compensation for you and your passengers

Personal Injury Protection (PIP: Typically provides insurance coverage for certain expenses incurred by you and other covered persons due to an accident, such as medical, hospital, loss of service and funeral expenses. Income continuation benefits may also be included

Uninsured Motorists Insurance: Typically provides insurance coverage for you and other covered persons injured or killed in an accident caused by a negligent uninsured or under-insured driver.

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Automobile Insurance FAQ's