Car Insurance in Great Neck, NY

As a vehicle owner in Great Neck, New York state law requires you to carry car insurance. Whether you are involved in a multi-vehicle collision on Middle Neck Road or a fender bender in the grocery store parking lot, a good auto insurance policy can shield you from significant financial losses as a result.

Buying auto insurance is easy when working with a local independent agent. These agents can work with competing insurance providers to obtain customized car insurance quotes so you can choose the policy that offers the best value. Find an independent insurance agent in Great Neck to get started.

How Much Does Car Insurance Cost in Great Neck, NY?

The average cost of car insurance in New York is lower than the national average. This is welcome news for Great Neck residents who are looking for an affordable policy.

• National average annual car insurance cost: $1,311
• New York average annual car insurance cost: $1,013

An average can only give you a ballpark idea of how much a policy will cost you. Rates are calculated on a case-by-case basis and can vary significantly from one driver to another. Several considerations can affect how much your policy costs. These include:

• The make, model, year, and value of the vehicle(s) you are insuring
• Your age, occupation, gender, marital status, and driving record
• Your auto claims history and credit score
• The approximate number of miles you drive per year
• The auto theft and collision rates in the vicinity of your home
• The amount of liability coverage you are purchasing
• Which, if any, coverage options you are including in your policy
• The size of your deductible

Every insurance company uses its own method to calculate premium costs. Therefore, you are likely to be quoted a different price by every provider you contact for rates.

Comparison shopping can save you money because it lets you choose the policy that offers the coverage you want at the most affordable price. Independent insurance agents make comparison shopping easy.

Is Car Insurance Required in Great Neck, NY?

If you own a vehicle in the state of New York, you are required to have car insurance. New York is a no-fault state, so if you or your passengers are injured in a collision, your insurance will provide the first line of coverage for your injuries, regardless of who was at fault.

New York law mandates that all car insurance policies must meet or exceed the following minimum coverage requirements:

• Personal injury protection insurance (PIP): This covers medical care, lost wages, funeral costs, and other expenses if you, your passengers, or a pedestrian are injured in a collision, regardless of fault. Your policy must include, at a minimum:
  • $50,000 in PIP coverage
• Liability insurance: This covers your financial responsibilities to other people if you are at fault for a collision. It can pay for their property damage as well as any medical bills and related expenses that go beyond what their personal injury protection insurance can cover. Your policy must include, at a minimum:
  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per accident
  • $10,000 in property damage liability coverage per accident
• Uninsured motorist insurance (UIM): This covers medical bills if you or your passengers are injured in a collision that an uninsured driver caused. Your policy must include, at a minimum:
  • $25,000 in UIM bodily injury insurance per person
  • $50,000 in UIM bodily injury insurance per accident
  • UIM property damage insurance is not available in New York State. Instead, you can be covered by collision insurance if you have included it in your policy.

What Else Does Great Neck Car Insurance Cover?

You can expect your insurance provider to offer various coverage options in addition to coverage that is required by state law. Some of the commonly offered options you may want to consider including in your car insurance policy are:

• Physical damage coverage: This compensates you for loss or damage to your vehicle. It is typically required by dealerships if you are leasing your car and by lenders if you are financing it. Physical damage coverage includes:
  • Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Gap insurance: This can pay off your car loan or buy out your lease if your vehicle is totaled in a covered event and you still owe more than it is worth.
• Glass replacement insurance: This covers the cost of replacing safety glass in your vehicle’s windshield and windows if it is cracked or shattered.
• Rental car reimbursement: This can cover the cost of renting a vehicle while you are having your car repaired following a covered event.
• Towing and roadside assistance: This can cover assistance costs if your car breaks down and you need to call for help.
• Umbrella insurance: This is a separate policy that your car insurance provider may offer. It can significantly boost all of your personal liability coverage beyond the coverage limits of your primary policies.

An independent agent can help you determine which, if any, options are a good fit for you.

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What Is the Penalty for Driving without Insurance in Great Neck, NY?

If caught driving without insurance in the state of New York or if you allow someone else to drive your uninsured car, you can face several consequences, including:

• Fines up to $1,500
• The revocation of your driver’s license and vehicle registration for up to three years
• The need to pay a $750 fee to get your driving privileges reinstated
• The possible impoundment of your vehicle
• Potential jail time
• Higher car insurance rates

Even if you are not driving your uninsured vehicle, you can face penalties for having a lapse in coverage. When your insurance lapses for any reason, the state is notified, and you can incur daily fees until you buy a policy. These fees may range from $8 to $900, depending on how long you go without coverage.

The good news is that New York State has one of the lowest rates of uninsured drivers in the country:

• Percentage of US drivers who are uninsured: 13%
• Percentage of New York drivers who are uninsured: 6.1%

Fortunately, uninsured motorist insurance is a mandatory part of your car insurance policy. This means you can rest assured that if you are injured in a collision caused by an uninsured driver, you will be able to quickly receive the compensation you are due without going through lengthy legal channels.

Are There Any Car Insurance Discounts Available in Great Neck, NY?

One of the easiest ways to significantly reduce your car insurance rates is by bundling your auto coverage with other policies like homeowners insurance, renters insurance, or boat insurance.

Other car insurance discounts you may encounter when shopping for coverage include rate reductions for:

• Safe drivers
• Good students
• Members of the military
• Teachers
• Policyholders who are insuring multiple vehicles
• Members of certain groups or organizations

A good insurance agent will ensure that you receive any offered discounts for which you may qualify.

What Are the Best Car Insurance Companies in Great Neck, NY?

The best car insurance companies in New York are the ones that have a solid history of consistently providing their policyholders with excellent coverage, responsive customer service, and competitive rates.

Independent agents in Great Neck have developed partnerships with many of these outstanding insurance providers so they can offer you a selection of policies and quotes from companies you can trust.

How Can an Independent Agent in Great Neck Help Me Find the Best Car Insurance?

If you are looking for the best and most affordable car insurance policy, an independent agent in Great Neck can help. These agents work for you instead of for a specific insurance company. This enables them to shop around to find the coverage you want at the most competitive price.

It won’t cost you anything to consult with an independent agent. Contact an independent insurance agent near you to get answers to your coverage-related questions and to start comparing customized car insurance quotes from some of the area’s most highly rated insurers.