Auto Insurance in New York State That Moves With You
Smart Coverage for Everyday Drivers & Weekend Explorers
Why Auto Insurance Matters in New York
Whether you're commuting on Route 6, carpooling to the Bronx, or road-tripping through the Catskills, you need auto insurance that covers the risks of real driving. We help New York drivers find the right mix of liability, collision, and comprehensive coverage-so you can drive with confidence, not guesswork.
Three Ways We Help
Car Insurance That Fits Your Budget & Your Life
1. Coverage That Meets NY State Requirements
We'll help you meet New York's minimum liability limits-and recommend the right levels to protect your assets beyond the bare minimum.
2. Protection for Your Vehicle After an Accident
From a minor fender bender to a serious collision, we'll walk you through collision and comprehensive coverage options that protect your vehicle, no matter what hits you (or what you hit).
3. Extras That Keep You Moving
Need roadside assistance, rental reimbursement, or glass coverage? We'll help you build a policy that keeps your life on track-even when your car isn't.
What's Typically Covered
- Bodily injury & property damage liability
- Collision damage to your vehicle
- Comprehensive coverage for fire, theft, hail, & animals
- Uninsured/underinsured motorist coverage
- Medical payments & personal injury protection
- Roadside assistance (optional)
- Rental car reimbursement (optional)
Common Add-Ons & Options
- New Car Replacement - Covers the cost of a brand-new vehicle after a total loss
- Gap Coverage - Pays the difference between your car loan and its current value
- Glass Coverage -
Repairs or replaces cracked or broken windshields
- Rideshare Endorsement -
Covers you while driving for services like Uber or Lyft
- Custom Parts Coverage - Protects aftermarket rims, sound systems & accessories
Who Needs This Coverage?
If you drive in New York-even occasionally-you're legally required to carry liability insurance. But that's just the beginning. Whether your car is financed, leased, or fully owned, we'll help you protect what matters.
Local Risks to Consider
- Deer collisions in wooded areas near Yorktown Heights
- Hail and storm damage during Hudson Valley thunderstorms
- Accidents on I-684 or Route 6 during rush hour
- Fender benders in small-town parking lots
- Vandalism or theft at local trailheads or park-and-rides
FAQs
What's the minimum auto insurance required in NY?
New York requires liability insurance, uninsured motorist coverage, and personal injury protection (PIP). We'll help make sure you meet the law-and your own coverage needs.
Do I need collision & comprehensive?
If your vehicle is leased or financed, you probably do. Even if it's paid off, these coverages can help you avoid large out-of-pocket repair bills.
Can I get a discount by bundling with home or renters?
Yes! We'll shop multiple carriers to find you bundling discounts-often saving hundreds a year on combined policies.
Does my insurance follow the car or the driver?
Generally, insurance follows the vehicle. That means if someone else drives your car with permission, your policy is primary. We'll explain all the details.
What if I don't drive much?
Some carriers offer pay-per-mile or usage-based programs. Let us know-we'll explore low-mileage discounts that could save you money.
Ready to Get Rolling?
We'll help you find auto insurance that meets New York's requirements, fits your driving habits, and protects your peace of mind. Get a fast quote or give us a call today.