How Much Auto Insurance Do You Need in NYC?

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How Much Auto Insurance Do You Need in NYC?

Finding car insurance for your vehicle is very important. It allows you to protect one of your most valuable assets. However, finding the right type of car insurance can be an overwhelming process. There are many factors to consider when you are searching for coverage. Here are some of those considerations to keep in mind while determining how much car insurance you need.

● Requirements

If you are in need of auto insurance, start by researching the guidelines for minimum coverage. You may be legally required to have liability insurance covering injuries or damages to someone else and their property due to collision. You may also be obligated to purchase no-fault coverage, as those policies pay out regardless of which driver was responsible for the collision. In addition to researching collision and comprehensive coverage, inquire about uninsured drivers coverage or a personal injury protection policy. While you are researching different car insurance rates, try to find the highest deductible that you can, which will lead to a better premium in the long run. If you have health insurance through your employer, it will reduce the amount of injury protection coverage you need.

● Collision and Comprehensive

Collision coverage supports you if you are involved in an accident and damages occur. Comprehensive coverage protects your vehicle in situations outside of an accident. Maybe someone tries to steal your car, or perhaps your vehicle is damaged by debris falling around during a tornado or hurricane. If you are in need of auto insurance, either comprehensive or collision insurance should be the foundation of your policy. However, make sure that you only use the coverage to assist you with significant damage to your vehicle.

● Variables That Impact Car Insurance Rates


If you reside in a state with a high number of severe claims, your car insurance rates may be impacted. Even more directly, insurers may research the demographics in your city, as well as traffic patterns to help determine your rate.

           Is Age a Factor?

Insurers often classify people looking for auto insurance with other groups of people with similar traits. If you are a young driver, insurers may lean on the data that shows how unreliable young drivers are initially and that the likelihood of an accident is very high. This may cause your auto insurance rates to be higher.

           Poor Record of Driving/Parking Tickets

If you have a poor record of driving, that will have a negative impact as you are looking for car insurance. A poor driving record is defined as being involved in more than one accident, along with multiple parking tickets or traffic violations.


As you search for car insurance, make sure that you have a clear understanding of your deductible. Your deductible is the amount you are responsible for after the insurance covers any damage to your vehicle. You have the flexibility to decide on how much you’d like your deductible to be. Review the amount of deductibles on your policy carefully before making a decision.


You may qualify for different discounts on your car insurance policy. If you have a safe driving record, that should positively impact your policy. If you have installed various security measures or an anti-lock braking system, you may qualify for a discount.

Figuring out the amount of car insurance coverage that you need can be a complicated process.  If you’re looking for auto insurance at the best rates, contact the experts at Club Agency Insurance Brokerage in Garden City, New York, today. We are ready to assist you with all your coverage needs.


COVID-19 Update:

At RMS and associated firms, business continues as usual. Our staff is remote-capable and available to handle all partners, brokers, and insureds at the present time. Contact us today!Executive Order for Policyholder Payments