Car insurance is mandatory in New York and one of the more costly types of coverage available. But there are ways to lower premium costs such as shopping around for better deals, bundling policies together and improving credit scores – plus MoneyGeek has researched all of the factors affecting premiums to provide drivers with more insight.

One of the primary factors in car insurance are your driving record, age and type of vehicle you own. Younger drivers tend to pay higher premiums because of limited driving experience and being seen by insurers as higher risks; any marks on your driving record, such as DUI charges or speeding tickets will increase substantially the cost of your insurance policy.

Other considerations include your credit and location. Certain vehicles, especially luxury ones and those with expensive parts, are more risky for insurance policies due to higher theft or crime rates in certain regions; accordingly, insurance will likely cost more in such areas.

Calculating your New York car insurance rate is quick and simple online. Simply compare quotes from top providers with many offering discounts to help save. In order to lower premiums, increasing the deductible could also lower them; but this would result in paying more out-of-pocket in case of a claim.

To obtain a quote, enter your information in the fields on this page and click “Calculate.” After this step, you can compare personalized rates from several car insurance providers before selecting one that best meets your needs and budget.

New York state minimum coverage requirements vary between insurers, so for optimal protection it’s advisable to obtain more comprehensive and affordable car insurance policies from NYCM, NGM, Safeco and Allstate based on rates, customer service reviews and more.

Your best bet for finding affordable car insurance in New York is by shopping around and comparing quotes from different providers. Additionally, adding additional drivers to your policy, selecting higher deductibles and taking advantage of available discounts could bring savings.

At the core, what matters most is keeping yourself and other road users safe on the road and prepared for anything that may arise on the road. That means making sure that you have adequate car insurance that fits with your situation and budget while being aware of any changes in driving record or vehicle status. Follow these tips and you should have no trouble securing cheap auto insurance in New York!