Auto Insurance

How much liability car insurance do I need?
As much as you can afford. Liability is probably the single most important policy you carry on your car, especially if you have a lot of assets to protect. What's more, a big increase in protection translates into a relatively small increase in your premium. So you get a lot more security for a little extra cash. Liability Coverage is the single most important type of auto insurance coverage. Carrying too little auto accident liability can expose you to judgments and legal costs for years to come.

New York State requires 25/50/10 in liability coverage. That's up to $25,000 coverage for any single person injured by you in an auto accident, and up to $50,000 for everyone injured. Not a lot of money for medical bills, lost wages, and compensation for pain and suffering. We don't recommend the lowest offered for the State of New York, in fact we would think you were Crazy to purchase it! 

Additional auto insurance coverage (anything you get over the minimum) gets cheaper as you buy more. This means that your premium goes up a little while your protection goes up a lot., we would recommend that you take out at least $100/300 or even $250/500 worth of personal injury liability, even if that means less property damage coverage.

Why? Because property damage from an accident won't be nearly as expensive as injuries can be. So the $50,000 worth of property damage liability coverage in our example policy is probably adequate. (Of course, you can be on the safe side with a little more.)

We would like to offer to quote your Auto Insurance simply click on our Quick Quote Icon, and fill it out to the best of your ability, and fax it to us at 516-897-8920 please call if you have questions.