IT IS PRICEY
Whether you are located in Geneva or Manhattan, New York is one of the most expensive places to live in the US. And insurance rates are also higher in the New York. Depending upon your location, the rates of insurance may be up to several hundred dollars above those that reside elsewhere in the country. If you are shifting to the area, you have to consider the additional coverage cost. It is compulsory to have the insurance if you own a car even if you cannot afford it.
IT IS MANDATORY
It is compulsory for the drivers in New York to carry the insurance while driving. Local police officers and highway patrol are quite strict about drivers following the rule. Auto insurance in New York is costly but not more costly than the fines for driving without the insurance. It would be foolish on the part of the driver to try to find a way around it and avoid insurance. At least, every driver has to carry the minimum necessary coverage.
IT HAS TO BE ISSUED FROM THE STATE!
If you reside in New York, make sure that the insurance you carry is actually issued by a company from within the state. The state considers insurance issued from outside of the area as having no insurance at all and people who move out of state and change insurance may face license suspension within a relatively brief amount of time. You need to carry New York insurance if you have New York plates. Be sure to follow the rule otherwise you may face fines and penalties.
These three simple things will help you to drive your vehicle on the public roads in New York. Avoiding the insurance and driving without the same may invite worse trouble in the name of financial loss. You will be quite happy that you paid up on your premiums in the event if you are ever struck from behind in bumper to bumper traffic in New York City or stuck in a snowdrift off of Lake Erie. It is not fun but it is the law. Thus having minimum state requirements for insurance will relieve you from all the worries of accidents and fines.
