To be a legal drivers license holder with a state registered vehicle for almost every state you need a minimum amount of car insurance. The amount of the minimum requirements varies from state to state and it is important to find out what your state requires. If you are a new resident to the state of New York, it is important to find out what is required of you as a legal driver.

The good news is that most states only require a minimum amount of liability car insurance. Liability auto insurance is the most economic type of insurance that is available to drive legally. The even better news is that you can find cheap liability insurance as a New York driver to save more money. Find out what you need to have as a legal driver in the state of New York and make sure you get these things included when you get your policy in place.

The Basics to New York Liability Car Insurance

Within each state, there are different guidelines for drivers to follow. The state of New York is certainly not any different. In order to abide by the rules here, you will need to know a few things about your vehicle registration, driver’s license and how it all relates to New York liability auto insurance rules.

The state of New York is slightly less strict about where your vehicle is registered. However, if you are driving a car registered in another state but drive it on a regular basis within the state of New York you must abide by the liability insurance regulations of the state. This also includes if you allow someone else to operate your vehicle on the New York state roads.

The purpose of having New York liability insurance is to make sure you have the ability to be financially responsible in instances where you are involved in a wreck and are the driver at fault. If you are caught driving without the minimum New York car insurance policy in place you can be given a citation, fined and possibly lose your license.

For the state of New York, a registered vehicle must be covered by the minimum state insurance at all times even when not in use. The only exception to this is if the registered vehicle is a motorcycle. Even if you have the car in storage and not being driven, there must be New York auto insurance coverage on the car.

Out-of-state insurance is not permitted in the state of New York. Your New York liability car insurance must be obtained from a company licensed by the New York State of Financial Services. Upon obtaining your coverage for the state, the policy must be filed electronically with the Department of Motor Vehicles. Keep in mind the insurance card alone does not act as proof of your coverage.

Ensure that you are following all the rules by getting your insurance in place. By using your zip code you can find cheap liability car insurance for New York drivers.