Cheap Car Insurance For Young Women New York
Reader’s Question:
My family is on a tight budget but we have to buy a car insurance for my young daughter here in New York. What are ways to get a cheap car insurance for young women?
Susie
Manhattan NY
You can find cheap car insurance for young women in New York when you do comparison shopping. By comparing at least three car insurance quotes, you will be able to find the cheapest car insurance policy with the best insurance coverage. 
The Internet can provide you with the car insurance quotes you need to find the cheap car insurance for young women that you want. There are available insurance web sites where you can submit your request for car insurance quotes. With advanced software that these web sites have, you will have your car insurance quotes from many companies in a matter of minutes after you submit your request. In this way, you make effective use of your time because you are able to achieve a lot of things in one sitting.
You can also acquire a cheap car insurance for young women in New York when your daughter can assure car insurance companies that she can drive safely no matter what the road or weather conditions are. Naturally, car insurance companies see a greater risk in young people due to a preconceived idea that they are fairly new to the road and are more prone to road accidents. Thus, car insurance for young people are fairly more expensive than ordinary ones. By proving that your daughter can drive safely, she break this preconceived idea and thus, will earn her discount in car insurance.
There are more practical ways to get a cheaper car insurance policy for your daughter. Among these are:
- Getting a car with small engine,
- Owning a car that belongs to the low insurable category,
- Naming yourself as co-drivers to your daughter’s car,
- Reminding your daughter to avoid modifications to the car, and
- Inquiring to your car insurance agent about the possibility of a discount if the car has safety and anti-theft features such as safety bags, locks and immobilizer.
Insurance for Rental Cars in New York
Reader’s Question:
I live here in New York and usually rent a car whenever my own car is in repair. Do I need to have a separate insurance for rental cars?
Anna
Manhattan, NY
Rental car insurance is always a confusing matter for most of us. Renters buy supplemental rental car insurance for $20 to $40 per day for fear of what might happen if they refuse. What many of us do not know is that additional rental car insurance is mostly unnecessary if you have sufficient car insurance coverage. Before renting a car in New York, it is good to call your car insurance agent. Inquire about how much coverage you have on your car.
Generally, whatever deductibles and coverage you have on your car insurance would apply to your rental car. If you have removed the collision or comprehensive coverage on your car insurance policy, your rental car will not be covered if it was damaged or stolen.
Ask your agent if your insurance provider covers towing fees or administrative charges. Some car insurance companies cover these for their policyholders and may prove to be less expensive since you would not need to buy full coverage through the rental car company.
The next thing to do before renting a car is to call your credit card company. Companies like Visa, American Express and Discover may shoulder comprehensive damages to most vehicles. MasterCard offers secondary coverage to its platinum and gold card holders.
Teenager Auto Insurance With Provisional License
Reader’s Question:
I would like to know if you are required to have car insurance in Brooklyn, New York if you only have provisional license.
James
Brooklyn, NY
If you are a teen who lives with your parents, typically car insurance carriers would want your parents to notify them once their children obtain their learners permit, provisional license or full license. It will depend upon your insurance carrier’s guidelines if you are required at this point to get car insurance so you can be properly covered.
Some insurance carriers I know do not charge any extra to car insurance policy with just a permit and most insurance provider will. I suggest that you contact your parent;scar insurance provider and ask them if you are required to be listed on your parent’s car insurance policy with a provisional license.
Your parent’s car insurance policy rate in New York would definitely go up if a teenager is added to the policy. You may ask the car insurance agent if there are any discounts that you may take advantage of like good student discount or driver education class that you can take to help lower the car insurance rate of your parents. Always remember to obey traffic laws so you may become a fully licensed motorist and of course to avoid having expensive car insurance rate.
My Car Was Stolen In New York Will My Liabilty Insurance Cover It?
Reader’s Question:
My vehicle was stolen last week and I only have liability insurance so I am pretty sure it is not covered. Should I cancel my auto insurance in NY? Would I be held liable if the thief cause damages to other property with my vehicle?
Cory
Levittown, NY
Since you did not have comprehensive coverage on your car in NY unfortunately you are correct it is not covered for being stolen. You should still have notified your insurance companies of the car being taken without your permission and verify from your insurance broker when you should cancel your insurance policy on the car.
Typically if your stolen car has been recovered but is found to have caused damages to other cars when it was in the possession of the thief, you are not held liable for these damages. Normally to be held liable for damages caused by your vehicle, you would have to give the driver permission to operate the car.
To get consumer help about this situation, beyond what your car insurance agent can tell you, you may try contacting your state’s insurance regulator.
Does My Car Have To Be Registered To Get Car Insurance in New York?
Reader’s Question:
In Albany, New York, do you have to register the car before insuring it or is it the other way around?
Jim
Albany, NY
In Albany, New York you need to insure your car before registering it. When registering a car one of the items you need to bring to the New York State Department of Motor Vehicles is a NYS Insurance Identification Card (FS-20).
The Insurance Identification Card can be a fax or a copy, but the barcode must be readable by a Department of Motor Vehicle barcode reader. After you purchase a car, bring the proof of ownership to an insurance broker or agent authorized to do business in NYS, and get this required insurance card.
DWI Car Insurance Coverage in New York
Reader’s Question:
On my way to my mother’s house I parked next to the curb, got out of my car, but noticed it was a little too far so I parked it closer. What ended up happening was the rear end of my car hit the front bumper of the car behind me. The driver came out and called the cops. I got two tickets for DWI and reckless driving. I know I will need to go to the courts for this but first I need to know how to make an accident claim in New York?
John
Tyler, TX
If you have collision and comprehensive coverage in New York, then you can make a claim with your insurance company. Normally, if you were in an accident where your vehicle has sustained physical damage, the claim would go under your collision coverage and the deductible associated with this coverage would be due.
Since you’re the one at fault for the accident, you can file a first party claim with your own insurance company. If you have sustained damage to your own vehicle, you would need to place a claim under your collision coverage claim. Then you will need to pay the deductible that you choose at the inception of your policy when you use your own physical damage coverage to repair your vehicle.
Be ready to explain the situation that occurred and have witness statement available to the insurance company to make the claims process easier. Since the claims process can vary a bit from one insurance provider to another, speak to your insurance agent to know the specifics about how to place a claim.
Will Seat Belt Violation Cause My Car Insurance To Go Up?
Reader’s Question:
I received a seat belt violation in Yonkers NY and I would like to know if this may cause for my auto insurance to go up? I also heard that this violation may take off my insurance discount, is this true? I live in a New York state.
Denver
Yonkers, NY
If this seat belt offense is your first and only minor moving violation in New York State then it should not cause a surcharge to be added to your car insurance policy.
If you already have other traffic violations on your NY driving record then an infraction of this seat belt violation could cause your insurance rates in Yonkers NY to rise but if this is your first minor moving violation then a surcharge would not be charged and therefore your premiums would not be raised due to only this citation.
Your insurance company may take off a safe driver discount, etc for a traffic violation though so you should check with your insurance agent or company for information on your insurance company’s rating system.
Do I Have To Register My Car To Get Auto Insurance in New York?
Reader’s Question:
Do I have to register a car first in Bronx New York before insuring it or is it the other way around?
Maddie
Bronx, New York (NY)
You need to insure your car before registering it in Bronx New York . When registering a car one of the items you need to bring to the NYS Department of Motor Vehicles is a New York State Insurance Identification Card (FS-20).
The Insurance Identification Card can be a fax or a copy, but the barcode must be readable by a New York DMV barcode reader. After you purchase a car, bring the proof of ownership to an insurance agent or broker authorized to do business in NYS, and get this required insurance card.
The registration application must have the same name as the FS-20 and must have a barcode. The FS-20 must be presented within forty five days of the effective date of the insurance coverage.
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