How to Get Car Insurance in New York
Whether you’re cruising upstate or catching a play on Broadway, you can count on Plymouth Rock to help get you there safely. Here’s how to get car insurance in New York.
Getting great car insurance for a great price shouldn’t be hard. That’s why Plymouth Rock makes it easy for you to get a fast quote online and over the phone.
Before you call or go online to get your quote, be sure to have the following information handy:
- Email address
- Birth date
- Phone number
- Vehicle Identification Number (VIN)
Whether you callor use our convenient online form, we’ll guide you through from start to finish. We’ll help you find the right coverage and what NY discounts you qualify for.
How Much Insurance is Right for You?
Having the minimum coverage means you’ll get just that: the minimum. This means premiums are less expensive, but you may pay more out of pocket in the unfortunate event of an accident. When you buy your policy, you can choose your limits and optional coverages to best protect you and your assets.
Any company can give you an attractive price on auto insurance in New York. It’s more important to make sure you’re getting the coverage and service you need.
The right amount of coverage is different for each person. Our friendly insurance experts can help you figure out what’s right for you and your situation. We offer great coverage at even better prices, along with our excellent customer care and unique benefits.
New York State Requirements
If you own a vehicle in New York, you’re legally required to have auto insurance for it. You’re required to carry these coverages at the following limits:
Bodily Injury Liability Coverage
This protects you if you’re held responsible for injuring someone in a car accident. This coverage can help pay for the injured party’s medical expenses, lost wages and pain and suffering. It may also help pay your expenses in a related lawsuit. You need at least $25,000 of coverage per person and $50,000 per accident in NY.
Property Damage Liability Coverage
This protects you if you are held responsible for damaging someone else’s property in a car accident. This coverage helps reimburse another person for their damaged property (such as a car, a street light or a building). It also helps pay your expenses in the event of a related lawsuit. There’s a minimum limit of $10,000 per accident for NY insurance policies.
Personal Injury Protection (PIP)
New York is a no-fault state, which means your PIP coverage pays for your medical expenses resulting from an accident, regardless of who caused the crash. In NY, you need at least $15,000 of Personal Injury Protection.
This is different from liability coverage, which covers bodily injury and property damage you cause to another driver or their passengers when you’re at fault.
Uninsured Motorist Coverage (UM)
This coverage helps pay medical costs and other related expenses when you or one of your passengers is injured in an accident within New York caused by a driver who doesn’t have insurance coverage. UM also covers unidentified drivers, as in the case of hit-and-run accidents. The minimum limit for UM coverage is $25,000 per person and $50,000 per accident. UM coverage does not pay for physical damage to your car, but your optional collision coverage will if you have it.
Recommended Insurance Coverage in NY
When you come to Plymouth Rock for your car insurance needs in NY, you’ll have some additional coverages to choose from. While not required, these recommended coverages offer more protection for you and your vehicle. Here are just a few of the optional coverages our customers in New York purchase:
Collision coverage helps pay to repair or replace your car after a collision with another vehicle or stationary object. Collision only covers damage to your car or someone else’s car that you are using with permission.
Comprehensive coverage helps pay for damage to your car in situations NOT related to a collision. This includes natural disasters, fire, theft, vandalism, damages caused by hitting an animal and more.
Supplemental Uninsured/Underinsured Motorist coverage, also known as SUM coverage, is an extension of your required uninsured motorist coverage. SUM covers everything UM covers, but it also covers injuries from an underinsured motorist. It also protects you and your family anywhere in the United States, its territories and Canada.
The information on this page is for educational purposes only and is not a statement of contract. Actual coverage is subject to the language of the policies as issued by your insurer. Certain restrictions and limitations may apply. Review your policy and consult with a licensed insurance professional to learn more about your coverage.