Private Auto Insurance

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Private Auto Insurance

Every car needs to have sufficient insurance coverage in New York State. The fine for driving without insurance can be up to $1,500 in NYC. You may need to pay an additional $750 if your license is revoked. Proper insurance coverage provides financial security because you don't need to pay for damages out of the pocket. At A&C Brokerage, we can help you find the best private auto insurance policy based on your unique requirements.

Private Car Insurance

Private car insurance will offer essential protection if you ever get into an accident, no matter how small or big. Every state has minimum private car insurance requirements, and NYC requires:

A minimum coverage of anywhere between $25,000 and $50,000 for bodily injury.
A minimum coverage of $10,000 for property damage.
All licensed operators in your household must be added to your auto insurance policy. This includes children with learner’s permits.
People with an out-of-state license can get insurance, but they must get an NYS license within 30 days.
Drivers with a learner's permit must also get private auto insurance.

It is a good idea to double-check the requirements or consult with an experienced broker on the matter.

Private Auto Insurance Policies

There are different types of New York auto insurance policies available today. Every option has some advantages and disadvantages. All drivers must have basic liability insurance that will pay for property damage or injuries if they are liable for an accident. You may also need personal injury protection to cover all medical bills. That can help bring down expenses associated with an accident significantly.

PIP pays for the medical costs even if you’re not liable for the accident, offering protection to all parties involved. We may recommend full coverage plans that include fire, theft, and collision insurance if needed.

Cheap Car Insurance in NYC

The cost of auto insurance in NYC depends on factors like driver history, car's condition, driving conditions, etc. You will pay less in premiums if you have no recent accidents or violations. You will also pay less if the vehicle is new, well-maintained, and driven on safe city roads. Our experienced insurance brokers understand all the tricks of this trade. They know how to find the right policy to ensure you get comprehensive coverage and still have affordable premiums.

Our Private auto insurance brokers will offer honest, unbiased advice on different insurance providers and policies so you can make an informed decision. Most private drivers don't investigate an insurance policy thoroughly enough. They settle for a plan that fits into their budget, without considering their coverage requirements. Our experts will recommend a list of options based on your needs. We have worked with providers like Progressive, Kingstone, Transit General, Lancer, American Transit Insurance Company, and more.

If you want to know more about private auto insurance in NYC or need advice, don’t hesitate to reach out to us at A&C Brokerage. You can call (212) 942-6339 or use our contact form to get in touch.