auto insurance

The beginnings of car insurance is very necessary in America, and you cannot drive a car in America without an insurance certificate, and you should know that the traffic police in the United States of America do not tolerate this matter at all. He will ask you directly about the car documents, and if he discovers that your car is not insured or that you did not insure the car, he will immediately impound your car and it will cost you a very large fine to get it back and insured .. Therefore, you must insure your car in any case.

Types of auto insurance in America

There are two types of auto insurance in the United States :

Liability

It means partial coverage, which is insurance on the car of the person you hit, meaning that if you cause an accident and hit someone else’s car or hit a pedestrian, the costs of compensation that you must provide to the injured person will be paid by the body that insures your car, but in the case of someone hitting you or Shock you, this type of insurance does not offer you any compensation in this case.

full coverage

It means comprehensive coverage, and in this type you will be insured and also the person with whom the accident occurs (meaning you and the victim) will be both insured and here the insurance price will be, of course, greater than the first type.
Note: When you buy a new car, the second type will always be charged full coverage because it is the safest, safest and most expensive type.

How to choose the right insurance company for you

  • You should choose a cheap and inexpensive insurance company for you because the car insurance documents are large and very expensive
  • You must choose a reliable insurance company But buying them from unreliable or volatile insurance companies can wind up being much more expensive down the road.
  • After choosing an insurance company, you must review the ratings for that company

Best car insurance companies in New York

To determine the best auto insurance providers in New York, we took a closer look at the best insurance providers nationwide and evaluated local offerings in the Empire State. While many major insurers maintain their quality regardless of state, regional reputation and customer service can vary.

In addition to cost, coverage, reliability, and customer service, our review team also considered results from the J.D. Power 2020 US Auto Insurance Satisfaction Study for New York. The study ranked companies out of 1,000 points, and each of the recommended providers performed better than the regional average of 836.

Geico

Geico offers standard auto insurance coverage options in addition to mechanical failure (MBI) insurance. The insurance company is an industry leader and has a good reputation nationwide, including in New York. Geico is currently rated an impressive A+ by the Better Business Bureau (BBB) and has been rated A++ for financial strength by AM Best. This means that it works well with clients and has a superior ability to repay claims.

Geico scored 851 out of 1,000 in the J.D. Power Satisfaction Study, ranking it second in the state. This ranking is in line with Geico’s high customer satisfaction ratings in other parts of the country.

Geico is often one of the cheapest car insurance options for many drivers. The insurance company sets low premiums to start with, and customers can save even more on New York auto insurance by taking advantage of discounts such as :

  • airbag discount
  • military discount
  • Multi-policy discount
  • New car discount
  • good driver discount
  • Multi-vehicle discount
  • Good student discount
  • Discount on anti-lock brakes
  • Federal employee discount
  • Emergency Publication Discount

The Geico Claims app makes submitting claims simple, and finding a repair shop is easy with the company’s Auto Repair Xpress software. You can learn more about this insurance company by reading our full Geico review.

State Farm

We named State Farm Best for Student Drivers because of the many discounts the company offers to teens and college students.

State Farm is rated A++ by AM Best, which means it has the financial strength to handle and pay customer claims. In addition to standard insurance policies, State Farm customers can purchase specialized coverage such as classic auto insurance and sports car insurance. Local customer satisfaction results indicate that State Farm is an especially good choice for auto insurance in New York. In the J.D. Power New York Satisfaction Study, State Farm ranked first with a total of 851 out of 1,000 points.

The cost of State Farm can be a little higher than the competitors, but there are many discount opportunities such as :

  • good driver discount
  • Accident free discount
  • Good student discount
  • Vehicle safety discount
  • Driver Training Discount
  • Multiple Discount Policies
  • Discount on multiple vehicles
  • Anti-theft system discount
  • Student away from school discount
  • Defensive Driving Course Discount

USAA

USAA scored the highest in the J.D. Power Study of Satisfaction for New York State with 884 out of 1,000 points. The insurance company typically holds the highest scores for most areas in this study, but it does not qualify for the ranking because it is not available to all drivers.

To qualify for USAA insurance, clients must be members of the military or have a spouse or parent with USAA membership. If you qualify for USAA insurance, it is one of the best auto insurance options in any state, including New York.

USAA offers some of the lowest premium rates in the country and sells every standard type of auto insurance and even coverage for shared trip drivers. USAA has received an A++ Financial Strength from AM Best and is one of the best funded insurance companies nationwide. Learn more by reading the full USAA Insurance review.

New York Central Mutual

As its name suggests, New York Central Mutual (NYCM) is an insurance company specifically in the state of New York. As such, they specialize in the needs of New York drivers, connecting people to the best local policies available.

New York City ranked third in the J.D. Power Satisfaction Study, with a score of 837 out of 1,000. It has an A rating from AM Best and an A+ approved rating from BBB. As with many major auto insurance providers, NYCM offers a range of discounts such as :

  • big sale
  • New car discount
  • No Claims Discount
  • Multi-policy discount
  • homeowner discount
  • Good student discount
  • Discount on anti-lock brakes
  • Defensive driving discount
  • Student away from school discount
  • Injury prevention discount program
  • If you are looking for a small scale provider that offers personalized customer service, New York Central Mutual is a good bet.

The cost of car insurance in New York

Car insurance in New York costs a little more than coverage in most other states. According to a report recently published by the National Association of Insurance Commissioners (NAIC), New York drivers paid the following average costs for auto insurance premiums in 2017 :

  • Liability: $869.13
  • Collision: $437.13
  • Inclusive: $179.31
  • Average Total Expenditure: $1349.72

business insurance

The national average for liability premiums in 2017 was just $611.12, far less than what New York drivers paid. One of the reasons New York auto insurance is so expensive is that New York is an error-free state. Error-free states usually have higher auto insurance rates. Another explanation could be the high rate of insurance fraud in New York. Fraud increases costs for auto insurance companies, which then flow to customers in the form of higher insurance premiums.

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