Want To Change Your Car Insurance Company in New York?

Reader’s Question:

Hi there. I changed my car insurance company here in Queens New York yesterday and I would like to know if I need to inform the DMV about it or my insurer will take care of it?

Bert

Queens, NY

Your previous insurer will report to the New York State Department of Motor Vehicles (DMV) regarding the cancellation of your previous car insurance policy and your new car insurance company will let the NYS DMV know of the new issuance of policy to you. You basically do not need to do anything if the insurance company did what they are required to in NYS.

According to the NYS Department of Motor Vehicle your car insurance carrier must inform the DMV if you terminate or cancel your liability insurance. Your car insurance company in Queens New York is also required to inform the DMV if your policy has been reinstated or if you get new car insurance coverage. The DMV will send you notification if your new insurer does not file your new policy.

If you receive a letter from the DMV just follow the instructions in the letter. Normally you will be given ten days from the date of the DMV letter to prove that you have car insurance policy. If have insurance policy just ask your car insurance company to file an electronic notice of insurance coverage with the DMV.

If you want to make sure your car insurance company sent in electronically your new policy and that there was not a lapse between your old policy and new policy then you can contact the NYS DMV and verify with them. They will give you information if they have your updated auto insurance information and if their records show no lapse on the coverage.

Very Cheap Car Insurance In New York

Reader’s Question:

Can you help me get a very cheap car insurance in NY?

Minnie

Syracuse NY

Insurance nowadays can be added burdens especially when your job is in the balance. A very cheap car insurance in NY can be had by doing a few relatively easy steps. The first thing you should do is to shop for quotes before buying. Just like buying for clothes or furniture, the consumer has to know what are the different prices to be able to find the right choice. You should also consider shifting to an inexpensive car, if you’re driving one that is expensive.

An inexpensive car means a lower risk for your insurer in the event of theft or damages. The lower the risk to the insurer, the lower is the premium. If you already have an inexpensive car, you may consider getting only the minimum liability coverage for the state in order to obtain a very cheap car insurance in NY. The minimum is enough to protect you from liabilities that could arise when you hurt a third party or you damage other properties while driving. When your car is inexpensive, you won’t need a comprehensive coverage because you can ignore minor dents and scratches. Also, if you really need to have to fix your car, the repair costs would be minimal.

I Need An Affordable Car Insurance Broker or Agent in New York

Reader’s Question:

I’m a 25-year-old self-employed female who has just bought a new car here in New York. I am trying to figure out which way to get cheaper car insurance. Should I get an insurance agent or a car insurance broker? What is the difference between the two?

Lessie

New York, NY

Lessie, an insurance agent represents a specific company, whereas an insurance broker will help you find an ideal quote among different companies. A broker will tailor your car insurance to your specific situation and look for the best possible insurance quote among a lot of companies. For those new in car insurance, this is the ideal way to go. An insurance agent is, of course, obliged to represent a specific company, so newcomers like you can easily be misled on car insurance quotes. So, his chief partnership is with the insurance carrier, and not you. In other words, his primary concern is how to earn money for his company, and not your welfare.

Therefore I would suggest that you find a car insurance broker. In that way, he or she may better explain the specifics of car insurance and tailor your insurance to your particular needs. Brokers will seek cheap prices or negotiate car insurance with discounts, and would have special rates companies do not advertise in public. They perform in your behalf without you paying them extra, since they get a commission from your chosen car insurance company. This does not mean, however, that all brokers have halos on their head. Different states came up with laws calculated to prevent deceptive practices of some businesses that represent themselves as car insurance brokers when, in fact, they are acting as an agent for one or two companies. In New York, car insurance brokerage is a regulated business (the same is true for most insurance brokerage around the country). Brokers from one state can also be licensed in another state (except Hawaii).

If you get the hang of the car insurance business, perhaps you can go online and compare car insurance quotes among the top companies. But for now the best bet is for you to find a reputable car insurance broker to help you decide on what car insurance you need.

Getting Affordable New York Auto Car Insurance Rate Quotes

Reader’s Question:

With so many things being said about car insurance, I’m having information overload that I no longer know which are important or not. For starters, what do I need to know about auto car insurance quotes and how do I know its a good deal or not?

Mariah

New York City NY

I understand what you are feeling right now. When we are given a task which usually involves cashing out money, we tend to gather as much as information hoping that it could help us find the best deal. But sometimes it will just cause confusion. So, first thing you should do now is to stop. Try to get away from all the information you gathered, and simply ask yourself what you need in car insurance.

These are the basic things that are essential in auto car insurance quote. The needs:

• You need to get a coverage which complies to your state requirement. Each state has set its own required coverage amount.
• These are the common coverage required by different states: bodily injury liability for 1 person in an accident and for all people injured in a mishap, and property damage liability for one accident.
• Bodily Injury Liability: $25,000/$50,000 Limit
  Property Damage Liability: $10,000 Limit
  Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
  Personal Injury Protection: $50,000 Limit
• You should focus on fulfilling these three required coverage first.
• You should get an auto car insurance quote that will not break your bank. Be practical. Do not get an insurance that you might end up selling your car.

Getting The Best Auto Insurance in New York

Reader’s Question:

Ok, so I have a brand new car here in New York and it needs to be insured ASAP. How can I find the best auto insurers out there?

Cory

Amherst, NY

This is a tricky but excellent question. Tricky because there are many factors you must consider before deciding that a certain auto insurer is the best one for you. But let’s make it a bit easier for you. Here are some tips to help you find the best auto insurance provider there in New York (note: these tips are applicable to other states as well.)

Tip# 1: Use Independent rating Agencies

Here’s a good shortcut: use one of the many independent agencies that publish auto insurance ratings. Some of the best includes J.D. Powers, Moodys, and Standard & Poor’s. They have websites that publish ratings of many different companies and industries and information is usually free. Rating categories include: customer service, claims handling, billings & payments and overall customer experience. This is an excellent resource for consumers who want to minimize the risk of going with a “bad” company.

Tip# 2: Run a Free Auto Insurance Quote Check

It would still be a good idea to run auto insurance ratings check of your own, if only to see the latest rates and prices on the market. Online auto insurance comparison websites (like this website) can help you get rates from a wide-variety of insurers simultaneously and for free. Doing this maximizes your ability to get the best priced policy (from among the best companies – see above tip.) in the market.

Tip# 3: Ask Around

Sometimes you don’t have to go far and wide. Ask your friends, co-workers, and even your relatives about their insurance service. You might get valuable feedback and information that can help you choose the best auto insurers available.

I Need Cheap New York Car Insurance Coverage

Reader’s Question:

I just moved here in New York from another state and I need to get my vehicle registered ASAP. I also need to get car insurance and I just want to clarify some things about it. If I cancel some coverage, does that mean I can save money for my car insurance?

Mario

Queens, NY

If you come to think of it, there’s dissimilarity between what you think you’d like to have and what you actually need. This is what happens unless you have knowledge in the area of car insurance. If you cancel an essential coverage, it does not mean you can save on your car insurance. You can save money no matter what car insurance policy you choose.

However, since car insurance is all about having great coverage from risk, you won’t be able to achieve that if you just choose anything that sounds good. Acquiring unnecessary coverage on your car insurance in New York is one other reason why you have to be knowledgeable about what you need and the car insurance policies that provide the essential coverage. You need to take some of your time to go online and visit car insurance comparison quotes Websites.

These Websites make it quite simple for you to obtain and compare car insurance quotes in a short period. Make sure that you don’t do business with car insurance companies that have low ratings except you actually have other issues that can prove they are good enough for you. Look for car insurance discounts from these insurance companies as well. By keeping these things in mind, you will realize that you don’t have to cancel an essential coverage on your car insurance in New York just to save money.

Automobile Insurance Lapse in New York

Reader’s Question:

I have an unregistered car in New York. I have surrendered my vehicle plates before my auto insurance lapsed in Brentwood, New York. I don’t have private parking space so what I usually do is to park my vehicle in a community parking lot. But I got a warning from my community apartment parking management. He told me that he is going to tow my unregistered vehicle. What can I do?

Nikki

Brentwood, NY

The New York State Law requires all its motorists to purchase liability auto insurance policy that meets the required minimum limits of: $25,000 to cover bodily injury/person; $50,000 bodily injury to all people involved; $10,000 to cover damage to property/accident.

It’s a good thing that you have surrendered your vehicle plates to the New York Department of Motor Vehicles (DMV) before the lapse on your auto insurance policy.
By doing this, you have avoided the suspension of your license and registration for an indefinite period of time.

As to your question, I would suggest you look for private parking lots or any storage facilities to house your car. Generally, parking unregistered vehicles on public lots (like your community parking lot) will only lead to your vehicle being towed. I would also suggest that you purchase auto insurance policy on your unregistered vehicle so you can have the registration reinstated. You can find different auto insurance companies in Brentwood, New York by just entering your zip code here.

Tags: auto insurance, car insurance online