What Is The Assigned Risk Plan, and Why Is It So Expensive?

New York State invented an interesting plan – the assigned risk program – for certain drivers that may have trouble finding car insurance, but if you find yourself in that group, you’ll probably think the plan is something other than … Read more


What Affects Car Insurance Premiums

New Yorkers shopping for a New York car insurance quote may be perplexed by insurance premiums that vary wildly from person to person. The reasoning behind the premium is simple. Premiums are an expression of risk – the more statistically … Read more


If you’ve recently moved into or out of New York State, you may be confused about car insurance in NYS. Luckily, the requirements are rather simple; if your vehicle is registered in New York State, you need New York State … Read more


New York Car Insurance: How to Get the best Deal

New York Car Insurance is affected by NY state laws and your search for the best deal should start with an understanding of some key provisions of the law. For example, liability coverage in the state has a liability minimum … Read more


Words of Warning for Lapsed NY Insurance

When finances get tight, you have to make some difficult decisions. There are lots of financial corners to cut; you can cut out that third beer or pass on the Supersize at McDonalds. However, if you live in New York … Read more


Cars That Keep Insurance Costs Low

Few consider the cost of insurance when they spring for a brittle sports car or bright red theft magnet. This is unfortunate, because a number of seemingly inconspicuous factors can make your car more likely to be stolen or sustain … Read more


New York State Insurance Requirements

We’ve all felt the sting of waiting on hold with insurance companies. To spare yourself a potentially wasted call (and having hold music stuck in your head for the rest of the day), here’s a quick run-down of all the … Read more


An Insiders Guide to New York Car Insurance

Understanding the state minimums for liability coverage:

New York state liability minimum, in insurance speak, is 25/50/10.

The first two numbers concern what your insurer will pay in the event of bodily injury resulting from a crash in which you … Read more