New York Auto Insurance Coverages

How Much Will You Pay to Insure Your Car in New York?

This will depend on a number of different factors including the coverages you choose, which can all go in to calculating the price of your New York auto insurance policy.

Common Car Insurance Coverages

Comprehensive coverage options for your New York auto policy.

Liability Coverage

Liability

Liability coverage is insurance that aids you financially for legal and medical fees in the event that you are to be held responsible for causing bodily damage to someone else or their property.

Uninsured and Underinsured Motorist Coverage

Uninsured

Uninsured and underinsured motorist coverage provides financial protection if you're in an accident with a driver who has no insurance or insufficient coverage to pay for your damages.

Collision Coverage

Collision

Collision coverage insurance covers when an accident with another vehicle occurs. Collision is important to have, it helps cover the costs of repairs and possibly even cover the cost of replacing your vehicle.

Gap Coverage

Gap

Gap coverage is a great way to protect yourself when you’re in an accident and need to cover a new vehicle that is not fully paid off.

Towing & Labor Coverage

Towing

After an accident, you may require assistance such as a tow to the shop to get repairs. With towing and labor coverage you can get help paying for some of these bills that come after a fender bender.

Comprehensive Coverage

Comprehensive

When it comes to comprehensive insurance it usually covers vehicle-to-vehicle accidents, while also dealing with vandalism, theft, hail, fire, and accidents with animals.

Ways to Save on Auto Insurance in New York

Multi-Policy Discount: Many insurance carriers will offer discounts for having more than one policy through them, such as bundling your home and auto quotes together with the same insurance company.
Multi-Car Discount: Check with your insurance carrier to see if they offer this option.
Low Mileage Discount: Check with your insurance carrier to see if they offer this option.
Hybrid Vehicle/Electric Car Discount: Check with your insurance carrier to see if they offer this option.
Good Students Discount: Check with your insurance carrier to see if they offer this option.
Pay in Full Discount: You typically will save money on your insurance policy by paying your 12-month premium in full. Check with your insurance carrier to see if they offer this option.

Find an Office Location

Is Car Insurance Required in New York?

In Massachusetts, drivers are required to carry auto insurance. The Commonwealth has set minimum limits for certain coverages. These include: Bodily Injury to Others, Personal Injury Protection (PIP), Damage to Someone Else’s Property and Bodily Injury Caused by an Uninsured Auto. However, it is important to note that the minimum requirements are modest and higher limits are available and encouraged. Our experienced account managers can help find you find coverage options for your auto insurance.

About Cross Insurance

Cross Insurance is a family owned insurance agency with branches throughout the Northeast. Established at the kitchen table of Woodrow Cross in 1954, today we have become one of New England’s largest independent insurance intermediaries. Since our founding, we have successfully acquired over 150 operations, increasing our footprint on the Northeast. With over 1,100 employees and counting, our experienced team is ready to provide insurance options for you.

We believe in building winning partnerships to protect your team for tomorrow. Whether your team is your family, business, or employees, you can depend on Cross Insurance to provide you with options for your insurance solutions.