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Auto insurance rules are specific to different states and their needs. New York is one of the peculiar cases. Before knowing more about New York car insurance rules, let's see why it is so different? New York Traffic Facts We all know that New York is the most populous city of USA, but a bigger truth is that the City Subway is the largest transit spot in the world! Half of the population prefers public transportation to their work places; still it takes 60-89 minutes on an average to reach their destination. The busiest time on road is between 8:00am and 8:29am, when 530,791 people leave for work daily. This is the reason why New York ranks among top 5 world cities with most expensive auto insurance. New York Insurance Rules Keeping this data in mind, New York car cover has been designed in a special way. Let us understand that first. It follows a 'no-fault system', which means that the company pays a certain amount of claim regardless of fault. There is some mandatory coverage too, known as 25/50/10 coverage. This is the minimum Bodily Injury Liability insurance of $25,000 per injured person and $50,000 for two or more persons along with a Property Damage Liability indemnity of $10,000 minimum. The New York car insurance law requires taking a minimum Personal Injury Protection (PIP) cover of $50,000, which is used to pay the medical bills in case of a claim. Another issue is of getting involved in an accident with uninsured or under insured drivers. This is again mandatory; known as Uninsured/Underinsured (UM/UIM) Basic or Supplemental (SUM) Coverage of $25,000 per person or $50,000 per accident minimum. Tips On Saving Thus the insurance amount is huge in the New York area. Still there are some measures by which you can save on your money. You can try and reduce your deductible- take only the basic coverage plan, don't use your car for business purposes, go for a small car, get safety devices installed in it like seat belts, airbags, anti-lock brakes, car alarms, tracking systems and keep it in a garage. Try to buy more than one type of insurance from the same company. This makes you eligible for multifamily or multipolicy discount. Also keep a good report on your credit history. This will further help you bargain for a cheaper New York car insurance. And last but not the least, shop around. Get quotes from many companies and compare the rates and options. Auto insurance quotes [http://www.bestautoinsurancequotes.info/autoinsurancequotes.html] are region specific, like New York car insurance [http://www.bestautoinsurancequotes.info/newyorkcarinsurance.html] is very different from car insurance UK. Still you can get the best auto insurance quotes [http://www.bestautoinsurancequotes.info/index.html] by doing a little home work. Article Source: http://EzineArticles.com/expert/Andrina_James/100208 Article Source: http://EzineArticles.com/981445

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