The state of New York can be a tough place to find auto insurance coverage that is affordable. The Empire State requires that anyone who drives on state roadways be insured at a minimum level. Bodily injury coverage rates for others are $25,000 per person / $50,000 per accident. You must also have Property Damage Liability protection coverage with a minimum level of $10,000 per accident. Accidental death coverage is also required in New York. The levels required are $50,000 per person and $100,000 per accident.
There are no shortage of insurance providers in the 14606 zip code and Rochester. Some discount auto insurance providers can be a good deal. They’ll provide a decent customer experience for you and save you money. Other cut rate car insurance vendors are not worth your time. While they may save you money, they’ll leave you hanging like you don’t have insurance in the event of an emergency. My uncle who worked in personal injury law used to refer to this as drawing blood from a stone. Saving money and finding a good provider is the name of the game. It’s only when you find yourself in a moment of need on the side of the road after an unforeseen accident that you truly get to know the value of the car insurance provider you’ve selected.
According to the National Highway Traffic Safety Administration, 6 million traffic accidents occur in the United States on average per calendar year. New York struggles mightily in this area and the numbers really tell the story. Health.ny.gov published a study on car accidents, injuries, and deaths in New York in 2014 that gives us a great idea of the risk we take driving in New York. 744,000 accidents occurred in total during the 2014 fiscal year. In that same period over 92,000 people visited the emergency room with injuries. Each day three people die and 20 people are hospitalized long term due to an unforeseen car accident. Perhaps you’ve witnessed a few of these incidents near the 14606 zip code and Rochester.
No matter how good a driver you are, there is always risk. It’s important to have the right car insurance. Liberty Mutual is our #1 choice based on customer service and average price. Make sure to get a free Liberty Mutual Auto insurance quote today!
When you put that type of risk into perspective, it becomes really important that you assess your appetite for paying for incidents out of pocket. Weigh the insurance minimums in New York and where you want to be in the case of an accident. With mobile phones and plenty of distractions in the car, chances of having a car wreck in New York that involves injury are higher than they’ve ever been. Even with all of the safety upgrades in cars, there has never been a more dangerous time to drive.
Best Car Insurance in New York for 14606
We take a lot of pride in helping our readers through confusing decisions like drivers education, defensive driving courses, and affordable insurance providers. Picking the best car insurance company in 14606 wasn’t easy and after a ruthless investigation of insurance practices, Liberty Mutual came out as the clear #1.
Simply put, Liberty Mutual Insurance offers affordable New York auto insurance that is customized to the needs of Rochester residents. There are many types of insurance needs for 14606 drivers, but Liberty Mutual covers them all in one easy and free online quoting process. Whether you’re looking for liability protection, comprehensive coverage, or bundling options for savings, they have it all. It couldn’t be a simpler process and the statistics tell it all.
Minimum Auto Insurance Coverage in New York
You really should evaluate your coverage options, look at your budget, and decide which policy is right for you. At the end of the day which coverage you choose is a reflection of your risk tolerance and the driving in Rochester for most of your car journeys. The lower coverage you choose, the higher chance of a massive out of pocket cost in the case of a catastrophic car accident. That said, here is the minimum auto insurance coverage in New York in terms of Bodily Injury and Property Damage Coverage in 14606.
Minimum Coverage Amounts
|Bodily Injury Coverage||$25,000 per person and $50,000 per accident|
|Property Damage Coverage||$25,000 per accident|
Who has the Cheapest Car Insurance in New York?
We took a look at the cheapest car insurance providers in New York, but it’s important to note picking the cheapest car insurance likely won’t provide you with the best experience as a customer. Liberty Mutual provides its customers with the best combination of top service and affordable prices. On average Liberty Insurance is $617 cheaper than Geico, $659 cheaper than AllState, and $642 lower than Nationwide. It’s worth getting a free car insurance quote with Liberty Mutual today in our opinion. You can’t lose.
Best Auto Insurance Quotes in 14606
When it comes to getting the best auto insurance quotes in 14606 and Rochester, there is no better place to go than Gabi Insurance services. Gabi is a licensed and certified insurance broker that has wholesale relationships with over 45 different insurance providers in the state of New York. They’ll do the shopping for you and compare apples to apples on the policy you need and break down your options. It’s a really simple process and the value of what each company offers is inherent with how good the Gabi system is. You can tell these guys and gals really know their stuff about auto insurance.
Because of the amount of relationships Gabi has and the ever changing nature of the industry, we highly recommend that all of our readers get a free car insurance quote with Gabi Insurance for peace of mind. They won’t call you and are a completely digital experience. If you want to communicate to them via text message, that’s also an option for you.
Get your free Gabi insurance quote here today!
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