Richmond Hill Car Insurance

Your Complete Guide to Richmond Hill, NY Car Insurance

Where to find the right policy near you

Richmond Hill, NY is located in the southwestern section of Queens. The district borders Forest Park and Kew Gardens to the north, Jamaica and South Jamaica to the east, South Ozone Park to the south, and Woodhaven to the west. The climate is mild and temperate, with a considerable amount of rain, which falls mostly in July.

When heavy rain falls in Richmond Hill, particularly during a severe storm, accidents can happen, so you will need a first-rate car insurance policy to cover against them. Whether your car broke down on the Jackie Robinson Parkway, or you had a major accident on I-678, either could cost you hundreds or thousands of dollars in accident-related financial losses.

By consulting an independent insurance agent, you can search for the best car insurance policy to meet your coverage and financial needs. Find an independent insurance agent in Richmond Hill, NY to learn more today. You can start assessing customized car insurance quotes straight away.

How Much Does Car Insurance Cost in Richmond Hill, NY?

The average cost of car insurance in New York is much higher than the national average. Hoever, you might still be able to save hundreds every year by taking your time when shopping and comparing prices.

  • National average annual car insurance cost: $1,311
  • New York average annual car insurance cost: $2,062

Car insurance rates can be different from one person to another, because insurance firms have their own method of determining risk and calculating rates. Following are some factors that the price of your car insurance quote may be based on:

  • The make, model, and year of vehicles being insured
  • Your credit score and driving record
  • Your age, gender, occupation, and marital status
  • The amount of your deductible
  • Information about other licensed drivers using your vehicle
  • The amount of liability insurance being obtained
  • Whether you own or rent your home
  • The coverage options included in your policy

You may qualify for considerable discounts if you bundle your car insurance with renters or homeowners insurance. You may also be qualified for other discounts, such as if you have a safe driving record or get good grades in school.

Let an independent insurance agent help you in comparing rates and finding the discounts for which you may qualify. They can help you find the car insurance coverage you need at the most cost-effective price.

What Car Insurance Coverage Options Are Available in Richmond Hill, NY?

Virtually all car insurance policies are developed with a mixture of mandatory and voluntary car insurance coverage options. As a resident of Richmond Hill, NY, your policy must meet or exceed New York’s minimum car insurance coverage requirements. New York requires drivers to carry liability car insurance.

If you are still paying on your car, your lender will probably require you to carry comprehensive and collision insurance. Likewise, if you are leasing your car, the dealer will undoubtedly expect you to carry collision and comprehensive coverage and uninsured motorist insurance.

The minimum liability insurance requirements are as follows:

  • $25,000 for injury/death to one person.
  • $50,000 for injury/death to more than one person.
  • $10,000 for damages to property.

Liability insurance reimburses third parties for personal injury and/or property damage. Please be aware that comprehensive and/or collision insurance does not meet New York’s vehicle financial responsibility requirements.

Following are several car insurance coverage options you might expect your local independent insurance agent to offer you:

  • Collision insurance (Partially optional): This option covers repair or replacement of your car if it is damaged in an accident, regardless of fault.
  • Comprehensive insurance (Partially optional): This option covers repair or replacement of your car if lost or damaged due to a non-collision event such as flooding, lightning, or car fire.
  • Uninsured motorist insurance (Required): This option covers other non-covered damages and injuries you may undergo if you are in a collision with an uninsured, underinsured, or hit-and-run driver.
  • Roadside assistance and towing (Optional): This option covers essential options if your car breaks down while out driving, like if all your engine coolant leaks out.
  • Rental reimbursement coverage (Optional): This option covers the cost of renting an alternate car while your car is being repaired following a covered event.

Talk with your independent insurance agent for help in choosing your liability coverage options.

What Is the Penalty for Driving without Insurance in Richmond Hill, NY?

First, in the state of New York, it is mandatory to turn in your registration and surrender your license plates before your insurance policy is canceled. If you drive without insurance in New York and are detained, you will be cited, and your license will be suspended for at least one year. 

If you get into an accident and you are found to be at fault, you will be liable for any expenses for any personal injuries and/or property damage that occurs.

Following are the penalties for driving without insurance in Richmond Hill, NY:

  1. Uninsured operation of a motor vehicle:
    • Suspension of registration for one year, and/or
    • Suspension of license for one year
  2. Uninsured operation of a motor vehicle resulting in an accident:
    • Suspension of registration for one year, and/or
    • Suspension of license for one year
  3. Civil penalty:
    • All required civil penalties must be paid before restoration of registration and/or license
    • Installment and partial payments are not acceptable.

What Is the Auto Theft Rate in Richmond Hill, NY?

  • National auto theft rate per 100,000 vehicles: 228.9
  • NY auto theft rate per 100,000 vehicles: 67.2

Though the risk of someone stealing your car is much lower in NY, you should remember that you can only be reimbursed for a car theft if your car insurance policy includes comprehensive coverage. This optional coverage can also include a range of non-accident related damages such as floods or structure fires.

If you are leasing or still paying for your car, hopefully, you already have comprehensive coverage. If not, talk with your independent insurance agent to learn how much it will cost to add this non-accident related coverage to your car insurance policy.

Why Work with an Independent Insurance Agent in Richmond Hill, NY?

Independent insurance agents can be extremely useful when searching for the best car insurance policy to meet your requirements. These car insurance specialists can simplify your coverage options, answer insurance-related questions, and help you review offers from multiple insurance businesses.

Contact a TrustedChoice independent insurance agent with an office in or near Richmond Hill, NY to start comparing customized car insurance quotes in moments.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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