Auto Insurance in New York

You need to invest in a good auto insurance policy from an insurance provider operating in New York to protect yourself financially when you're out on the roads. When you're on the market for an auto insurance policy, you need to know some basic things about how auto insurance works in your state.

The following are three things to know if you're interested in a car insurance policy from Windgate Insurance Agency Inc in New Windsor, NY.

Auto insurance is required by law.

The New York State DMV requires all drivers to have insurance to be driving on the roadways legally. If you are driving without adequate insurance coverage in New York, you can be fined up to $1,500 and you could face a driver's license suspension.

You can choose between several policy types.

There are numerous types of auto insurance that you should familiarize yourself with. The most basic type of coverage is liability coverage. This is the basic coverage that is required by law. Liability coverage will compensate other motorists if you damage their vehicles on the roads.

Other types of auto insurance include collision and comprehensive insurance. These types of insurance offer more coverage and can compensate you for damages to your own vehicle.

You need to meet a few coverage minimums.

Not only do you need to have auto insurance to drive legally, but you also need to meet various state minimums. You can discuss these minimums with your auto insurance provider. Any auto insurance coverage over the state-mandated minimums is voluntary.

The state minimums for auto coverage include $10,000 in property damage for single accidents, $25,000 for bodily injury coverage per accident per person, and $50,000 for bodily injury for more than one person in a single accident.

Get in touch with us at Windgate Insurance Agency Inc to find the best New York policy for you.