California, New York, and Florida have the highest number of licensed drivers in the nation, while New York sits comfortably at number 4 on the list. So how does one of the nation’s highest populations keep the number of driver’s on the road so low? For starters, New York has an excellent public transportation system. Most residents (roughly 8.2 million of them) find that it’s easier to navigate the highways, bridges and boroughs by bus, train, or taxicab. This, along with congestion on the roads, decreases the demand and desire to own a vehicle. Although many New York residents prefer public transportation or other alternative forms of transportation, there are still 11.3 million licensed drivers in the state. For these individuals, certain laws exist to help keep them safe on the roads.

Although effective, New York driving laws are pretty cut and dry. Driving without auto insurance is against the law, driving while under the influence is against the law, and texting teens will have to pay a handsome fine for each offense. According to autoinsurancetips.com, New York auto insurance laws state that all drivers must carry minimum auto liability insurance of ,000/,000 for bodily injury, ,000/,000 uninsured/underinsured (UM/UIM) motorist bodily injury, ,000 for property damage, and ,000 personal injury protection (PIP). New York drivers cannot register any vehicle without proof of insurance. Driving without minimum auto liability insurance in the state of New York will result in license suspension, revoked vehicle registration, and a ticket. In addition, the vehicle may be impounded.

When it comes to New York DUI laws, the state operates under an “implied consent” law. New York’s implied consent law is simple: if you drive on a New York roadway, you automatically consent to a chemical, blood, breath, or urine test upon request. So, if a police officer suspects that a driver is under the influence, he has the right to administer a blood, breath, chemical, urine test. If caught driving under the influence, adults with a blood alcohol concentration level (BAC) of 0.08% or higher could face fines, jail time, and penalties.

New York teens are not exempt from the states DUI laws and the penalties are severe for non-compliance. If you are a teen and you get caught driving with a BAC of 0.02%, you could lose your license until the age of 21. Most New York teens would not risk their lives or their license by drinking and driving. For starters, it’s tough for teens to obtain a license in the state of New York. Teens must graduate through three levels if licensing before obtaining an unrestricted license. New York’s Graduated Driver Licensing (GDL) program sends teens through a learner’s license phase, an intermediate license phase, unrestricted license phase, and full unrestricted license. All licenses (except full unrestricted licenses) carry passenger and nighttime driving restrictions.

On November 1, 2009 New York’s texting while driving law went into effect. It is now against the law for adults and teens to text while driving. Non-compliance with the law will cost drivers a cool 0 per ticket. Unfortunately, New York’s hands-free cell phone law is treated as a secondary offense, meaning, the officer must stop the driver for another traffic violation in order to issue a citation for violating the cell-phone law.

New York Auto Insurance – Auto Insurance Tips

http://www.nydmv.state.ny.us/ – NY State Department of Motor Vehicles

New York DUI Laws – Auto Insurance Tips

www.socalcoverage.com California Auto insurance Get the best rates with the highest coverage. Ross Veckey Insurance Call us at 866-914-9623 liability only teenage drivers full coverage rental car coverage med pay comprehensive collision

California auto insurance

Question by Steve M: Can I move to nevada and keep California auto insurance for 6 months?
I am considering moving to las vegas area and would like to know how long I can live there and keep my CA drivers license, CA registration, and CA auto insurance.
*How would the DMV know how long I’ve lived in the state for?

Best answer:

Answer by PamelaS
No.
In Nevada, you are required to get a NV license within 30 days and register your vehicle within 60 days.

What do you think? Answer below!

Many auto insurance policy holders are not aware of the limitations of glass coverage protection on their auto insurance policy. Many auto insurance companies offer protection to their policy holders that carry comprehensive and collision coverage against glass repair at a limited or no cost.

Although not all insurance companies offer this coverage, many of the carriers that do offer the coverage have begun to operate under a simple set off standards. For clients that get a chip in their window it can generally be repaired and the insurance company will often do it at no cost to the consumer. They will also offer coverage to vehicles that get a crack in the windshield that is shorter than the length of a dollar bill.

Of course not all windshields within these guidelines can be repaired. In some cases if a crack or chip extends to the edge of the windshield it will need to be replaced.

In many cases and with many insurance companies the policyholder would need to pay up to the amount listed for the comprehensive deductible for replacement unless otherwise stated.

These programs have been put in place to help limit the amount of losses that the insurance companies have as a result of windshield replacement. The cost of the repair is generally significantly lower than the amount that insurance companies would have to pay out to replace the windshield.

As an end result the insurance companies are able to offer an added service to their policy holder while maintaining a savings in the amount of annual cost for windshield replacement.

Find More Glass Coverage Insurance Articles

Glass coverage insurance

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I have collision coverage insurance on my policy. I want to keep it but I would like to know if there is any way I can lower the cost of my collision coverage.

Viktor

Omaha, NE

If you want to lower your collision coverage insurance, you can raise your deductible on your policy. You should also choose a less expensive car so you can get lower car insurance rate. Ask for any discounts that you may be eligible of to reduce the cost of your car insurance.

Car insurance deductible is what you pay out of your own pocket before your insurance policy kicks in. If you choose the highest deductible that you can afford, it will lower your premium. For instance, a $500 deductible will lower your car insurance payment. The rule of the thumb is: the higher the deductible, the lower your premium.

If you have an older car it may not be worth it to buy collision coverage insurance on it. So it is best to determine the actual cash value of your vehicle. If you ever file a claim for significant damages, your insurer will likely declare your car a total loss rather than have it repaired. That’s because the cost of repairing your car exceeds its actual cash value.

Would there be any difference if I get a Comprehensive Vehicle Insurance policy, as compared to a regular policy, for my car here in California?

Arnold

Los Angeles, CA

Very good question! and I’m glad you brought it up since many people out there are actually confused about the difference between a regular car insurance policy, and a comprehensive vehicle insurance policy. A typical vehicle insurance policy consist of different sets of ‘coverage’ clauses, each specifically designed to address a specific event that could cause you to lose some, or the total value, of your vehicle. A comprehensive vehicle insurance policy is a type of vehicle insurance that combines all sorts of ‘coverage’ clauses or policies to give you as much protection as could be thought of, from as many foreseeable events and accidents as possible, that could compel you to file for a car insurance claim in the future.

Although comprehensive vehicle insurance seems to be the most obvious choice, many people would find the price for such a complete insurance ‘package’ steep. This is especially true for those wanting to insure a fairly expensive vehicle, or those who may have not had as good a driving record as they would have liked to have.

This is why you need to know how to effectively search for your next vehicle insurance coverage. Companies determine your rates by using many different factors and each will have its own way of computing these factors into a premium. The difference vary greatly and could mean hundreds of dollars saved on yearly insurance costs. The most convenient way to do this is to use the free insurance quote tool found on this website to help you find the best rates, as well as compare many different companies simultaneously.

I am so glad that hurricane season is already over because it is never easy to battle all these storms. Is it already the perfect time for me to buy a car insurance policy for my new finance car here in Florida?

Laurence

Miami, FL

The time prior to a natural disaster is normally not a good time to look for auto insurance. As a matter of fact, a number of insurers would not sell auto insurance if they are aware that a calamity is just going to hit your area. The reason for that is because insurance would not work if you buy it only when you need it right away. Since the hurricane season is already over, it would be the best time for you to purchase a car insurance policy for your new finance car in Florida.

You just have to make sure that you include comprehensive auto insurance coverage on your car insurance policy. This type of coverage would provide protection for any kinds of damage caused by natural disasters like hurricane and fire. In times of natural calamities, gap insurance and rental reimbursement would be of so much help for your finance car. The gap insurance would cover the difference between the amount you owe from the finance company and the real worth of your vehicle. Also, if your vehicle is damaged and has to be fixed, rental reimbursement would cover the payment for a rental vehicle for your transportation after the calamity. Be certain that you have comprehensive, gap and rental reimbursement as part of your auto insurance if you reside in an area wherein hurricanes and natural calamities often happen.

If I will finance the purchase of my car here in South Carolina, why is it so important for me to get comprehensive and collision coverage for my car insurance?

Danny

Charleston, SC

The required auto liability insurance would only pay for the damages on the other vehicle in an accident that you are at fault. In this case, the damages on your car would not be covered by your own car insurance. For that reason, the finance company who gave you the loan on your car would require you to purchase collision and comprehensive coverage.

Collision coverage would be the one to pay for the damages on your vehicle that are sustained in an accident that is your fault. Comprehensive coverage would pay for the damages that are caused by natural disasters such as fire, hail, etc. In case you hit an animal, the comprehensive coverage would also pay for the damages on your car. If you put together a complete coverage for your car insurance in South Carolina, the collision and comprehensive coverage must not be more than the fair market value of your car and must not be less than what you owe to the finance company. You have to check with the finance company if you owe them more than the fair market value of your car.

If you have figured out how much is the minimum liability coverage that you need and you have figured out the minimum amount of comprehensive and collision coverage that you need as well as your deductible, then you can now go online and search at least three various websites that would allow you to compare the costs of auto insurance policies from different insurers.