How It Works
Enter your ZIP code and tell us what coverage you are looking for in New York
See what New York requires and compare quotes from licensed carriers
Choose coverage that meets New York requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Multi-Car Policy Structure
A multi-car policy puts two or more owned vehicles on a single policy under one carrier. Each vehicle can carry a different coverage level — one car full coverage, another liability only — while the whole policy earns the multi-car discount.
Liability Insurance Per Vehicle
Every vehicle on a multi-car policy must carry at least your state's minimum liability limits. Bodily-injury minimums range from $15,000 to $50,000 per person across states; property-damage minimums range from $5,000 to $50,000.
Full Coverage for Selected Vehicles
Full coverage adds comprehensive and collision to liability. On a multi-car policy, you can put full coverage on financed or leased vehicles and liability only on older paid-off cars — the discount applies to the combined policy.
Uninsured Motorist Coverage
Uninsured motorist coverage pays when another driver hits your vehicle and carries no insurance. Required in 22 states, optional in others. On a multi-car policy, this coverage typically applies per vehicle.
