Locating the best Rochester car insurance is simple to accomplish when you explore your options. By doing some comparative shopping you will be able to find all the best offers available so you will be able to make a good choice.

Try out our free Rochester, NY auto insurance quote finder at the top of the page to compare rates from top insurance companies.

Here are a few things to keep in mind when doing your comparison shopping for a car insurance policy in Rochester:

Rochester, New York Auto Insurance Policy Minimum Coverage Requirements

New York requires that all drivers have liability insurance. The coverage must be at least the minimum coverage amounts. In New York State, the minimum coverage requirement for Auto insurance is 25/50/10. The first and second number refer to bodily injury liability limits, the third number is in reference to the property damage liability limit.

So for example, in an accident an injured person would get up to $25,000 (with only $50,000 for each accident permitted) and the last number is for the total of coverage for any property damage, so in the case of New York that would be $10,000. When carrying New York Auto insurance is always a good idea to protect you and your family fully and carry more than the required minimum. All vehicles registered in New York State must carry NYS liability coverage, with no exceptions allowed.

Penalties

The penalty for not having state required auto insurance is the suspension of your auto registration and drivers license. This will occur because when you cancel or lapse on your current insurance the Insurer must contact the New York state DMV and they are required by law to take action immediately.

If you do get a lapse letter from the DMV you will have 10 days to take action and re-up your insurance coverage policy. If you do not you are required by law to turn in your plates to the DMV who will give you a receipt for proof. Also be advised that if you do lapse on your New York state insurance for more than 90 days you're driver's license will be suspended as well. If you do not surrender your plates you will have fines to pay in addition to the loss of the vehicle registration and drivers license suspension fees.

Other NY state requirements include the following:

New York State requires that your auto insurance coverage be with a company licensed by the New York state Insurance Department; there is no out of state coverage allowed. This company advises the state of when your policy begins and ends.

Insurance coverage must be held on all vehicles, whether on the road or housed in a garage. The insurance must be in the same exact name as the name on the registration paper work for the vehicle and you are required by law to carry your insurance paperwork or card in your vehicle at all times.

In the case of accidents, the state can revoke your registration for one year if the DMV receives notice of any traffic accidents which occurred while not carrying insurance. The court fees for driving without insurance in New York can be as much as $1,500 and all these requirements also apply if the person driving your car was not insured. And please do remember that there is also the legal aspect of driving with no insurance, you will be arrested and placed in jail.

Finding Good Auto Insurance Coverage in Rochester

There are so many auto insurance choices for the people of Rochester that making a choice may seem overwhelming. The various pricing structures can leave you confused. Shopping around will be your best bet in finding acceptable legal coverage that will not break the bank.

It is a good idea to get at least three quotes from companies before your decide. You can do this by either calling companies directly or by using our free tool. Do not make price the main reason for choosing or declining an auto insurance plan. You also want to make sure that the company you choose will have great customer service, and who will answer all your questions. There are many great sources for finding a good policy from a quality auto insurance company. You can even call the New York State Department of Insurance or go on line to their website and ask for referrals to quality companies in the Rochester area.

Some things that will affect your premium rates for Rochester auto insurance include where you live as that is where your vehicle will be located primarily. If you live in an area that experiences high rates of auto theft or victim theft this may mean higher prices for your auto insurance coverage. Another variable in pricing for auto insurance in the Rochester area is the time it takes the police to respond, as well as local road conditions, types of medical services and even litigation rates.

The New York State economy has long been a very regulated economy, and auto insurance industry is not immune to this. This means that there are strict rules that apply to both the owner of the vehicle along with the auto insurance companies. This heavy regulation actually works to the vehicle owner's benefit by making sure that all automobile operators carry all the necessary insurance and giving New York State Drivers total protection.

Comparing Rochester Car Insurance Quotes Online

Save yourself the hassle of driving around and meeting different agents in person. Use our free Rochester auto insurance quote finder by entering in your zip code. Get started now!