Expert Advice for New York

All Questions on New York

Is $400 a month too much to pay to insure a Chevy Impala in New York City?
My car insurance seems expensive, especially considering I've had no accidents. I'm 24 and I know rates will go down after I turn 25, but is this still too much to be paying?
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Sophie Newman
Jun 17, 2021
If I'm 20 and looking to buy car insurance in New York, what are my options?
My friend wants to sell me his car and I'd love to skip my long commutes on public transportation. The problem is that car insurance seems to be really expensive and I'm wondering if there is a particular company I can go with that will give me better rates.
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Sophie Newman
Jun 14, 2021
If I only have a UK driving licence, can I get auto insurance from a company in the US?
I just moved to New York and I haven't gotten my state driving license yet. Can I still purchase auto insurance for a car if it's registered in the US?
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Sophie Newman
Jun 11, 2021
How is Farmers insurance in New York?
I'm looking into auto and home insurance. I've heard good things about Farmers and am considering switching. Are they a good company?
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Emily Maracle
Jun 10, 2021
Can I get license plates without car insurance in New York?
I'm about to buy a new car. I want to get my license plates on soon, but I don't have car insurance yet. Is it possible to get my new plates before buying insurance?
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Emily Richey
May 31, 2021
Why is Progressive cheaper than AAA in New York?
"My policy with AAA is up for renewal and I decided to look at other quotes online. I found a rate with Progressive that is $250 lower than what I'm currently paying. Is there a reason why it's so low? Is Progressive a better company?"
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Emily Maracle
May 17, 2021
What options do I have for repairing damage caused by an uninsured driver in New York?
"I was rear-ended by an uninsured driver, so there's no question of liability, but my insurance doesn’t cover uninsured motorist property damage (not available in NY). The damage is around $650. Is it worth suing the guy? Should I use my collision coverage instead? My collision deductible is $500."
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Shannon Martin
May 13, 2021
How can I get my car fixed after an accident with an uninsured driver in NY?
My car was hit in NY, a no-fault state, by an uninsured driver. My insurance agent said that my uninsured motorist coverage does not pay for my car, and I do not have collision coverage. How can I get the other person to pay for my car?
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Shannon Martin
May 13, 2021
Can you walk me through what happens if I'm hit by an uninsured driver in New York?
I am recently moved to New York. My insurance company told me that if my car is damaged by an uninsured driver, I have to have collision coverage to fix my car and pay a deductible. Is this right?
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Shannon Martin
May 13, 2021
Why did I get a letter from the DMV saying there is a lapse of insurance coverage after moving from New York to Texas?
I moved to Texas from New York about a month ago. The day before I moved, I called my insurance carrier and updated my address. Now I have a letter from the NY DMV with a fine! They are saying I have a lapse; how is that possible?
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Shannon Martin
May 12, 2021
What can I do if another party's insurance company denies fault in New York?
I live in New York and was rear-ended during a snowstorm. The other driver's insurance is denying liability due to weather. I've spoken to a lawyer and they are recommending I take my case to small claims court. If I do this, how will repair costs be determined?
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Emily Maracle
May 07, 2021
How can I remove myself from my parents' car insurance policy?
I moved from New York to New Orleans, and I want to remove myself from my parents' auto insurance because I've had three at-fault accidents. Their insurer won't remove me from the policy unless I show proof of my own liability insurance, but I don't own a car. What can I do to help my parents save money and get off their policy?
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Eric Schad
May 04, 2021
Should I get a non owners insurance policy if I'm moving to New York and don't need a car?
I'm moving to New York City, but only for two to three years. I know that a lapse in insurance can qualify you as "high-risk." My agent told me I can forego the lapse by purchasing a non owners insurance policy, but it seems too expensive ($90 a month). Should I get this coverage?
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Eric Schad
May 04, 2021
What is a good price to be paying for car insurance on a used car in New York?
I'm going to be buying a 2018 Mercedes-Benz GLC. I'm 24-year-old woman with a clean record. The car will mainly be used for pleasure as I walk to work. What company has the best rates in New York?
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Emily Maracle
Apr 30, 2021
Do I need a car insurance policy to drive a neighbor’s car in NY?
I have a driver's license in NY but do not own a car. Do I need my own insurance policy to borrow and drive my neighbor’s car?
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Shannon Martin
Apr 29, 2021
Why are my quotes for a non owners car insurance policy so expensive?
I live in NYC, and while I don't own a car, I do rent one for work all the time. Everyone else online seems to get quotes for just a few hundred dollars a year, but mine is over $1,000! Why is this?
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Shannon Martin
Apr 29, 2021
What insurance coverage do I need for a car that is driven infrequently?
I only need a car in the winter months (upstate NY), and even then I drive very little. I have a 2012 Acura MDX, 45,000 miles. What coverage do I need on my policy?
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Shannon Martin
Apr 29, 2021
Can I garage a car in Connecticut when I live in Brooklyn and still find insurance?
I bought a classic car. But living in Brooklyn, it's not cost-effective to garage or park a car that I only drive on occasion. I want to leave it at a garage in Connecticut with my in-laws. Can I get insurance in this situation?
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Eric Schad
Apr 28, 2021
Do car insurance companies offer liability insurance for cars being restored in New York?
I purchased a fixer-upper that I'm planning on restoring. The only time it's going to be on the road until the restoration is when I transport it on a flatbed. Do I need liability insurance? Or do any companies offer liability insurance on car restorations?
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Eric Schad
Apr 28, 2021
What is supplemental spousal liability car insurance in New York?
I'm buying a car insurance policy in New York. When I was researching, I found that I can add supplemental spousal liability car insurance. What does this cover?
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Eric Schad
Apr 28, 2021
How much should I expect to pay for car insurance in Westchester, New York?
I just moved to Westchester from NYC, and I'm hoping that car insurance is a bit cheaper. How much should I expect to pay for car insurance?
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Eric Schad
Apr 28, 2021
Should I cancel insurance on my broken-down car?
My beloved 2000 Ford Ranger is broken down and the repair bill is $1,450. I can’t afford this and I have a newer car to drive. Should I cancel the insurance and take the Ranger off the road? NY resident, liability-only policy.
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Shannon Martin
Apr 26, 2021
What happens if my car is in an accident during a test drive in NY?
I am selling my car and let someone take it for a test drive. Long story short, the lady totaled my car and two other vehicles and knocked over a telephone pole. Who is going to pay for all of this? I only have minimum liability coverage on the car.
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Shannon Martin
Apr 26, 2021
How much uninsured motorist protection should I get if I live in New York?
I want to add uninsured motorist protection to my policy, as a friend of mine got hit by a person without insurance and it turned into a massive legal battle. How much uninsured motorist coverage should I get in New York?
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Eric Schad
Apr 23, 2021
How much car insurance coverage do you need for a 2010 Honda Fit if you live in New York City?
I live in New York City and I have a 2010 Honda Fit. I currently have a 100/300/25 liability insurance policy, $25,000 in MedPay, and 25/50 uninsured motorist. Is this enough coverage?
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Eric Schad
Apr 22, 2021
What's the average cost of condo insurance in New York City?
I want to know what the average rate is so I can make sure I won't be overcharged.
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Shannon Martin
Apr 02, 2021
I'm a New York resident and I'm about to buy my first car. How much car insurance coverage do I need in New York?
I live in upstate New York and I'm 22 years old. I'm about to buy my first car and I want to be totally above board and legal. How much car insurance do I need?
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Savannah Grabek
Mar 12, 2021

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