Checking out car insurance quotes online may seem overwhelming initially especially if you are unfamiliar with insurance terms.
Checking out car insurance quotes online may seem overwhelming initially especially if you are unfamiliar with insurance terms. While searching car insurance quotes online you will unearth many resources offered through your state's department of insurance website or motor vehicle department. This will help you understand what you need for your policy. Take for example New York residents, you must have minimum liability if you have a car registered in your name and there are severe penalties for not having continuous coverage.
· When do I purchase my policy?
Before you officially purchase your car and/or have the car title changed to your name, on that same day you'll begin your policy. Most car dealerships will require you to have your New York bar coded insurance card in hand before allowing you to drive off the lot.
If you purchase a vehicle from an individual, you will want to have the policy in place before you get in it to drive it off, even if you are just on your way to have the title changed. If the previous owner has signed off the title, you are responsible to have it insured.
· What coverage should I purchase if I live in New York?
New York State's minimum car insurance quotes online are abbreviated as 25/50/10. You are protected for a maximum coverage amount of $25,000 each person and $50,000 each accident for Bodily Injury Liability (BIL) and $10,000 for Property Damage Liability (PDL).
While these limits mean you are legally insured, it's not much protection. On your car insurance quotes online, compare the price to upgrade. If you cannot upgrade initially, especially if you are in a higher risk, check on your next renewal.
· Besides liability, what other coverages might I need in New York?
New York residents will also be required to carry Personal Injury Protection-PIP. PIP will pay for medical expenses and wages lost if you or household members are hurt in an accident whether or not you were at fault. You must have at least $50,000.
You also must carry Uninsured Motorists (UM) protection. This will provide coverage for medical expenses if you are involved in a hit-and-run or the other driver is uninsured.
Car insurance quotes online are the popular way to shop for insurance. No matter what state you live in, car insurance quotes online can provide you with everything you need to make a great insurance decision that will protect you and your car.
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