How Much Is New York Car Insurance?

  1. 0 POINTS
    Frank Winterle
    Principal, Creative Insurance Services, Gloucester City, NJ
    New York auto insurance premiums vary throughout the state. Rates downstate and in the five boroughs tend to be higher than upstate. It all depends on your coverage limits, credit score, ticket/accident activity and if there has been any lapse in coverage. If you are interested in a quote, I have a variety of auto insurance carriers in New York. Contact me at fwinterle@creativeins.net.
    Answered on December 19, 2013
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  2. 730 POINTS
    Darald Novak AAI
    Retired Agent and Broker, Self Employed, Albany NY USA
    Most agents and brokers in New York use either the carrier websites or an online rating program to develop auto insurabnce quotes.  Somewhere between 50 and 60 pieces of information are required just to select the rating 'tiers' the carriers use. Some carriers have only 15 to 20 tiers and some have over 100.  Your data is entered into the program. The carrier's program uses this data to select your rating tier. Some factors such as:  own or rent your home, gender, age, number of years licensed, driving record, credit profile, claims history (not only auto but property insurance claims may also be figured in...) and on and on.  Several years ago, only your driving record and claims history were the major factors involved.  Today, your credit profile has a very major impact on how much you will pay - some carriers will not even develop a quote if your credit profile is not within their tolerances.   So keep your credit score and profile as good as possible.  Always ask your agent or broker for a 'guaranteed' quote as some rating programs may not come up with a final 'guaranteed' quote unless the agent or broker pays some fees for the data retrieval  (of the credit data, claims data, and DMV extracts) to their system vendor or their carrier.  In New York, insurance quote retrievals of your credit data are considered a 'no-hit' to your credit status so you can ask several compnies to quote your insurance without penalty to your credit.
    Answered on March 4, 2014
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