New York drivers who have a DUI pay more than twice as much for full coverage as those without one. To help you find the cheapest rates for these drivers, NerdWallet looked at quotes from top insurers in the state and analyzed their coverage options. Progressive offers the lowest car insurance quotes for drivers with a DUI, with prices only $5 per month more than those for people with a clean record. Other affordable insurers include New York Central Mutual (NYCM), Geico and USAA, which provides the best rates for high-risk drivers.
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In addition to lowering your premium, you can reduce the amount of time you spend managing your policy by choosing an automatic payment plan. This can also help you avoid late fees and other penalties. Moreover, by opting for an online experience, you can cut out the middle man and avoid paying an agent commission.
Choosing the Right Policy
With the average annual cost of full coverage insurance at an all-time high, it’s time to look for ways to keep car costs from eclipsing your budget. While some of the factors driving premiums are out of your control, there are many you can control, starting with choosing the right policy.
You’ll want to start with a policy that includes the following:
Bodily injury liability: Required in most states, this pays for injuries you or your passengers sustain when at fault for an accident. Property damage liability: Pays for repairs to other people’s vehicles or property when you are at fault in an accident. Medical payments: Covers medical expenses for the driver and passengers in your vehicle, no matter who is at fault. Uninsured/underinsured motorist coverage: Pays if someone hits you and doesn’t have insurance or has less coverage than the minimum your state requires.
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Review your options for deductibles and discounts to see if you can make any changes that will help reduce your rate. Some examples include:
Increasing your comprehensive and collision deductibles can lower your rate by 11 percent on average, according to the Consumer Federation of America (CFA). However, only do this if you have money set aside to pay the higher deductible in the event of an accident. You can also consider dropping rental reimbursement coverage if you have good health or auto club memberships that provide similar benefits, or roadside assistance coverage if it’s included in your vehicle warranty.
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