Anyone who lives or drives in New York City knows that traffic is overwhelming there.
You've got to be a conscientious and careful driver to be able to navigate the streets of Manhattan or one of the other boroughs in the city.
Although you can certainly protect your car by driving safely, sometimes it's not enough and you end up in an accident.
Having adequate car insurance can help when you are in a fender bender or a more serious crash.
There are a few things everyone who is looking for cheap car insurance in New York City, New York should know.
Most importantly you have to ensure that the car insurance company you choose is licensed to do business in New York State.
If they aren't, you're going to be out of luck when it comes to trying to make a claim.
Ask about this with each company you gather a quote from.
If you are unsure, contact the State's Department of Insurance to ask whether or not the company is indeed registered.
Also, one of the best ways to secure the cheapest car insurance rate possible in the Big Apple is to go with the minimum required coverage.
All that is required is for the vehicle to be covered with liability insurance.
If you are calling for quotes from several insurance companies, ask about their price for just this type of coverage.
Although many insurance agents, most in fact, will try and up-sell you to purchase more coverage, if you are driving an older vehicle that isn't worth a great deal, you don't need comprehensive or collision coverage.
In addition, be a safe and courteous driver and above all else, make sure there's ample room between your car and those around it.
Frequent accidents always equal higher insurance rates.