Everyone wants to save money and one of the ways to do that is to make sure that you are getting the cheapest car insurance in New York. It is fairly well known that insurance rates in the bigger cities, like New York City, Brooklyn, Manhattan and Buffalo can be much higher than in smaller towns. However, there are ways to meet the requirements for New York auto insurance and still be able to find the cheapest car insurance in NY.

Any vehicle that is registered with the State of New York has to have liability insurance. This coverage requirement has a standard of $25k/$50k for injury, $50k/$100k for death, and then, $10k for property damage caused by any accident. New York is also a “no-fault” state, and also the required liability insurance coverage has to be in effect as long as the registration is valid- even if you’re not using that vehicle. The only exception to this is in the case of motorcycles.

So, knowing that, how do you go about finding the cheapest car insurance in New York? The first step, is that you will have to look for it. As with anything else, the only way to find a great deal on auto insurance is by shopping for it. Comparing rates, deductibles, and asking about discounts and incentives that may be available under certain providers is a smart step towards finding the cheapest car insurance in NY.

Secondly, it pays to be a very careful driver. Drivers who have clean records usually have the cheapest car insurance in New York. However, this doesn’t mean that if you’ve had an accident or perhaps a ticket here and there, you can’t save. If you’ve not had any sort of violations in three to five years, you may be able to see a significant drop in your premiums and be well on your way to having the cheapest car insurance in NY.

Another practical tip for saving money on your car insurance is to let go of any coverage you don’t really need. If your vehicle is a bit older, it is very likely that you don’t actually need comprehensive or collision insurance on that vehicle. Balancing the potential sale value of your vehicle with the annual cost to insure it is a smart money move. More often, it will cost more to insure that vehicle than it would to replace it. If you’re fully insuring a vehicle that you could replace more cheaply, you’re probably not getting the cheapest car insurance in New York.

Also, consider combining policies to save even more money. If you have a homeowner’s insurance policy but it isn’t tied to your auto insurance policy, you may be missing out on significant savings. This is also true of not having all of the vehicles in your household insured through the same provider. These are just a few of the often overlooked ways that you can get the cheapest car insurance in New York.