list guide for car insurance policy

To own and drive a car in New York, you must register your car and obtain license plates. To do so, you must either purchase an automobile liability insurance policy from an insurer licensed by the New York State Insurance Department, or provide other acceptable proof of financial responsibility in at least the minimum amounts required by law. However, you may purchase higher amounts of these required coverages as well as other insurance coverages in order to meet your particular needs. The following is a list of policies that you need to input :

• The number of years you have been driving
• The amount of miles you drive each year
• The location of your vehicle when you are at home
• Your age
• Whether or not a driver under the age of 21 will be driving your car
• Your driving experience including your driving record
• The type of vehicle that you need insurance for
• The distance you drive to work each day
• Your marital status
• Your geographical location

The above list is a guide and there may be many more factors that will determine the strength of your car insurance policy. However, with this kind of information, an insurance agency can tailor a policy that suits you and your family to ensure your vehicle is covered as you would expect it to be. Some of the details you provide will help to reduce your premium, such as your great driving record and overall years of experience, other factors may increase the amount of premium you will need to pay, such as listing a driver on your policy who is under the age of 21.

The last thing you need when you are filing a claim on your insurance is to find that you are not covered and will therefore be out of pocket for a number of additional expenses. you certainly do not want if the accident occurs before your car is registered in the insurance, isn't it ?