How do you get cheap car insurance in New York?

I live in New York City. My insurance is $600 a month. What's the best way to lower my insurance rate?

Answer
“Getting cheap car insurance in New York City can be difficult.
Insurance premiums are inherently higher there based on the risk of living in a populated city. So even if you have a good driving record, you’re likely paying significantly more than someone living in a suburb in Upstate New York.
Apart from the city, New York state as a whole has higher insurance rates. This is because it has a higher minimum car insurance requirement than other states. For instance, New York requires drivers to carry personal injury protection (PIP), which isn’t typical.
All of this means it’s more difficult to find cheap car insurance—but it isn’t impossible. You can comparison shop to see if other companies are offering lower rates. Every company prices policies a bit differently, so your best option is to gather quotes from several different insurance providers.
If you’d rather leave the hard work of gathering quotes to someone else, use Jerry. The Jerry app can collect quotes from up to 50 top insurance companies in seconds and deliver the best rates straight to your phone for free! Jerry will even help cancel your old policy if you choose a new one.”
Emily Maracle
Answered on Oct 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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