When you need a New York car insurance quote, do you understand the different types of coverages that are included and how each one protects you? Many of us do not read the details or realize what each coverage is that’s included in your NY auto insurance quote. Most of us have up to 6 types of auto insurance included in your New York car insurance quote.

You are most likely to have at least Bodily injury liability protection included in your plan. This is a key insurance coverage to have. With this type of coverage, both you and the others that are on your polciy have protection in the event of an accident in your car or while in other people’s vehicles. When you don’t add this into your New York car insurance quote, all of the costs and fees for any legal issues will be your responsibility.

Property Damage Lability is just what the name says. Should you have an accident between you and an immoveable object such as a mailbox or telephone pole, your property damage liability will cover it. When I ran into an oyster sorter with the back of my car this would have been helpful. While the oyster sorter ended up just fine, my rear end took a real beating.

Injuries that come about because of an accident are covered by Personal injury insurance. What you get for coverage is based on the type and amount of coverage you have and PIP can also cover you for medical expenses as well as possible lost wages or earnings during that time period for both you and the others that were in the car.

Collision damage insurance will cover you when you have an accident, hit another object or if your automobile is damaged from running over potholes. With this type of insurance, you need to choose a deductible level. In the event of an accident, you pay the deductible amount first and then the insurance company will pay any additional costs. You might want to rethink getting collision insurance if your car is older. The rule of thumb for dropping this and/or collision is to multiply the cost of this type of insurance times ten and if it’s more than the value of your automobile you might want to forego this insurance.

Comprehensive insurance is one of the insurance types that has a deductible. Comprehensive coverage is considered to be almost an umbrella coverage in what it protects your car from. Comprehensive will protect your vehicle from damage to it that isn’t from another car or if it’s stolen. This type of insurance might be needed from falling branches or earthquakes and windstorm damage. Comprehensive may not be necessary if your car is older and not wroth as much as the cost of the insurance.

With the increase in drivers canceling insurance, you may want to consider Underinsured/Unisured Motorist Coverage that protects you if you have an accident and the other party isn’t covered. If there’s an accident with an at fault, uninsured driver, you are able to be covered in this type of situation. This type of insurance also covers you when hitting pedestrians.

With this information, when you look for a New York auto insurance quote, you are better able to understand exactly what you are being offered. Now, you can choose only the insurance that you need and cut out the coverage you don’t need. You want to make sure that your New York car insurance quotes give you substantial coverage but at an affordable price.

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