Do You need to Buy Auto Insurance in the Capital District of New York
In America there are all types of laws and regulations. Some laws are federal covering the entire country and some are state laws just applying to the stae you are in. Auto insurance laws and regulations are controlled by the local state you are located in. New York just like New Jersey, or Vermont and every other state has its own auto insurance requirements, rules, regulations and minimums.
Do New York Residents Need Car Insurance?
The short answer to the question above is YES you do. How much coverage you need and how much the state requires are more complicated questions to answer.
According to the New York State Department of Motor Vehicles website, all cars registered in the state of New York need liability insurance. This liability insurance must be equipped with minimum limits of $25,000/50,000 for injury coverage, $50,000/100,000 for death coverage, and $10,000 for property damage coverage.
These are just the minimums that the state requires you to purchase. You should always make sure that in the event of an accident you will be financially secure and not have to break the bank to pay out of your own pocket. This means that you should purchase more than the state required minimums.
Cote Insurance Agency always recommends more than the minimum and our local agents can do an analysis with you to determine the coverage amount that is appropriate to you. Full coverage policies with comprehensive and collision do not always need to be expensive. Some of our clients would even say that their auto policies are "cheap" . Cote agency can help you find an inexpensive policy with the coverages you need.
To read a more detailed write up on what coverages you need in Saratoga, Schenectady, Albany, Warren and Washington counties of New York please explore our website to learn more about:
Liability requirements in the state
The minimum auto insurance limits
No-fault insurance laws in New York
Underinsured and uninsured motorist insurance rules in NYS
The penalties punishments handed out for driving without insurance in the state
At Cote Agency we will get you the Right coverage, at the Right Price and we are Right down the road!
Getting the Automobile Insurance that right for you in New York's Capital district
Like we talked about earlier, if you drive a vehicle on the roads, streets and motorways of New York State you must have the right car insurance. Even if you drive a car that is registered in a different state it must satisfy the laws required by NY. Having theses coverages not only protects you financially it also protects the other parties in the event of a mishap.
To buy car insurance in New York State, you need to connect with an insurance agency that is authorized to do sell in this state. The agency who issues you your policy must be licensed by the New York State Insurance Department.
Once you are ready to purchase car insurance, let New York Motor Insurance help you find great rates. We give New Yorkers options to save. If you would like to work offline with an insurance agent or broker, visit our staff directory to choose someone close to you.