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New york auto insurance (or auto insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles in the state of new york. Its primary use is to provide protection against losses incurred as a result of auto accidents.

By buying new york auto insurance, depending on the type of coverage purchased, the consumer may be protected against:

• The cost of repairing the vehicle following an accident
• The cost of purchasing a new auto if it is stolen or damaged beyond economic repair
• Legal liability claims against the driver or owner of the auto following the vehicle causing damage or injury to a third party.

When obtaining new york auto insurance, here are some great tips. Policies are priced differently, according to the level of risk each driver poses. Insurance companies group drivers into categories based on the loss incurred by the insurer:

• Sex: men statistically pay more in insurance premium than women
• Age: drivers who are under 25 are considered more at risk and are subject to insurance premium hikes.
• Marital Status: married drivers are less at risk for new york insurance premium hikes
• Use of vehicle: drivers who need to drive to work everyday will probably have greater premiums than those who do not need a auto for work. If your commute is during rush hour traffic, expect to pay more for your new york auto insurance too.
• Personal driving record: your auto insurance premiums will be affected by your personal driving record, the more points your have from speeding tickets, the more your new york auto insurance premium will be.
• Type of vehicle: value, size, weight, age, and cost of replacement parts all figure into determining the price of your new york auto insurace policy. Larger, heavier vehicles are considered a lower risk than smaller, lighter ones. Additionally, the more expensive the auto, the more expensive the repair, therfore the higher premium.