New York auto insurance has been mandated by the state for every car owner. Irrespective of your driving skills, there are some insurance policies that you must have including bodily injury liability, personal injury protection and property damage. However, the premiums for these policies differ from driver to driver. Men are to pay more than women because men are more prone to accidents than women drivers. This is because men tend to dry faster as compared to women and hence the chances of accidents are high in this case.
Although the coverage is at minimal cost however drives tend to pay different rates for such insurance plan. For example women driver settles for low payments as compare to men and the likely reason for this is that women have normally less traffic violation on their record and the death rate of women in fatal car accident is very low. To capture women interest in auto insurance most companies project their low rate policy to the women driver. New York Auto Insurance.
However a good policy at an affordable price is not exclusive to women driver alone. If you are a good driver having better traffic record and positive credit rating you can get a better insurance policy package at low cost. If you are a senior citizen or you are a student both status can also get insurance at low cost. You can also lower you premiums by settling for higher deductibles.
Also awareness of factor due to which you might have to pay more should be known to you. Some of these factors are a record of license suspension, reckless driving incident and you may require getting a high risk insurance called SR-22 however many companies are not offering this policy.
