You should ask insurance companies several important questions and be sure to have choices before finally dealing with one. A good insurance plan should at least have these requirements:

- In 2009, $2,432 is the standard amount of auto insurance premium for people living in New York while $1,794 is the national average. Due to the frequent accidents happening on the road of New York, the rate of New York car insurance quote is higher. The range will vary from company to company, depending on the length of time that you will have to pay for premiums, as well as the personal driving history and kind of vehicle that you are driving.

- According to New York state law, an insurance policy for car accidents should be able to cover minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This is also known as the 25/50/10 coverage.

- New York follows a No-Fault system, which simply means that in an accident, no one is declared at fault and liable to pay for damages to the health and property of the opposite party. The reason of doing this is to provide immediate medical attention to people with injuries. Even so, the terms of your New York car insurance quote should also include cover-ups for indemnities to passersby or properties caused by your car.

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