Required by law, and priced wildly differently from carrier to carrier. We quote your cars across the market — accidents, tickets and first-time drivers included — and explain what each coverage actually buys you before you commit.
New York is a no-fault state: your own policy pays for your injuries regardless of who caused the accident. Here's each piece, in plain English.
Required by NY law. Pays for injuries and property damage you cause to others. Minimum limits are 25/50/10; we usually recommend more, because the minimums run out fast after a serious accident.
New York's mandatory personal injury protection. Pays your medical bills and lost wages up to $50,000 regardless of fault, for you and your passengers.
Repairs or replaces your car after a crash, regardless of fault. Your lender requires it if the car is financed or leased.
The non-collision losses: theft, vandalism, fire, flooding, hail, or hitting a deer.
Required in NY. Covers you when the driver who hit you has no insurance, or not enough.
Optional add-ons for a rental car while yours is in the shop, plus towing and jump-starts.
Answered the way we'd answer them on the phone.
NY requires 25/50/10 liability, $50,000 PIP, and uninsured motorist coverage. However, minimum limits often aren't enough to fully protect you after a serious accident. We'll help you find the right balance of coverage and cost.
Yes — this is one of our specialties. We work with non-standard carriers who specialize in higher-risk drivers. Many of our clients have found coverage at prices that surprised them even after accidents or violations.
Bundle with homeowners or renters insurance, take a defensive driving course (saves up to 10% in NY), raise your deductible, maintain a clean record, and compare carriers every year at renewal — which we do automatically for you.
No — NY only requires liability, PIP, and uninsured motorist. But if you have a car loan or lease, your lender will require collision and comprehensive too.
Run the instant tool for numbers now, or send the basics through the quote form and a licensed agent will shop it for you.