New York automobile insurance laws:

$25,000 Bodily Injury Liability; $50,000 for an injury causing death; $50,000 for an injury of two or more people in the other party; $100,000 death of two or more people of the other party, $25,000 Uninsured Motorist insurance coverage; $50,000 max $50,000 minimum Personal Injury Protection $10,000 minimum Property Damage Liability

New York’s no-fault system states that each party pays for their own injuries, no matter who caused the wreck. Personal Injury Protection will cover medical help for the driver, passengers, and any pedestrians who were struck by the vehicle.

If Personal Injury Protection coverage will pay for each party’s needs, why must New Yorkers also possess Bodily Injury Liability? If another party takes out a lawsuit, claiming you were at fault for an accident, your Property Damage Liability and Bodily Injury Liability should cover those costs. In order to file a lawsuit over an auto accident in New York, one’s injury must be deemed “serious”, or costs must exceed the Personal Injury Protection coverage.

In order to register a car in New York, you must show a valid insurance card and have your car insurance company send an electronic file to the DMV. If any lapses in insurance occur, the DMV will send a notice through the mail. If you know your insurance will lapse for any reason, you must give your license plates to the DMV in order to avoid suspensions. Additionally, all New York vehicles must be insured by a car insurance company that is authorized by the New York Insurance Department.

If your car insurance lapses for less than 90 days, you may opt to pay a penalty rather than submit your license plate. For the first thirty days you will pay eight dollars per day. The next thirty days will bring a charge of ten dollars a day. From then on until day 90, the charge will by twelve dollars a day. This means you could end up paying $900 in fees.

Instead of constantly worrying about fees and surrendered license plates, stay organized and find car insurance at a great cost! Searching for vehicle coverage on the web is the easiest way to compare prices. Some online sites will give you many price quotes, which is the The majority efficient way of shopping for vehicle coverage. While searching for price quotes, don’t forget factors like age, profession, driving record, security features, and credit rating can all play a part in lowering your payments. Happy insurance shopping!

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Has there ever been a time when you thought to yourself, “I should not be paying this much for auto coverage well, if you have you are not without help. In the U.S. We are obligated to have automobile insurance, it is the law and who are we to oppose our legal system?

So, we have to have it but why do we have to pay so much and what factors cause us to pay more then others? Well there are hundreds of factors that could potentially cause you to pay more then your neighbors but the ones below tend to cause the greatest increases. So if possible steer clear of the problems below… no pun intended.

1 — Try to uphold a clean record when it comes to traffic citations. If you have a lead foot well you need to stop! A speeding citation will KILL your wallet/purse. A single speeding ticket can cost you a lot in fines but boy are you going to shell out much more on your auto insurance policy. How about a 100-300 percent in premium payments? Yeah… Don’t drive too fast.

2 – Do you have a young new driver? If so you are going to pay greatly when they get to driving age. Young adults are a gigantic liability for auto insurance providers. They drive too fast, they do not pay attentions, and they are easily distracted. They are pretty much a wreck waiting to happen ( from the insurance companies’ point of view ). Most folks get into at least a small crash by the time they are 21 and this why their premium payments are much greater.

There really isn’t a way of reducing payments when it comes to new drivers, you just have to shop around from company to company and hope you find a good deal.

3 — If you have been in a couple wrecks then you may be paying more then others. In reality you probably are. The one way to fix this is to go to a fresh insurance provider, one that offers crash forgiveness.

4 — So you have a high performance automobile? Good for you but you are paying a bunch for auto coverage. If you want cheaper coverage you need to get rid of the gaudy car, sorry!

As I said there are a lot of factors that cause car insurance payments to change, they go up, they go down. The only way to really make sure you have a fair plan is to look around. Get a few online quotes and see what you can uncover. Good luck.

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Chevrolet trucks are known to be very tough. The 2008 model year demonstrated Chevrolet’s dedication to creating the best trucks in the industry by introducing three uniquely outstanding truck models to the world. That is why the Avalanche, Colorado, and Silverado are the best trucks in their class. Check out Chevy auto parts online to see what is available.

Dependability is key to tough guys who need to travel over rough terrain and the Chevy Silverado fills the bill. Chevy owners are the most confident and content truck owners in the world. Having engine sizes and chassis capacities to haul any load, these trucks have the towing capacity to get the job done. With the technology under the hood to make it the industry leader, the Silverado’s powerful 6.6L V8 Turbo diesel can definitely haul the biggest loads in rough terrain or miles down the longest interstate highway. The cab’s rear door is able to swing open an amazing 170-degrees. For hauling things in the back seat, this makes it really easy to reach everything in the cab.

Innovation in the truck industry has brought in a new category of truck known as the SUT, Sport Utility Truck. Really all it is is a SUV with a short truck bed. In this market, the Chevy Avalanche is the preferred model. What sportier truck enthusiasts love about it is that it is so flexible. Most obvious is the innovative system to make the truck bed longer. What happens is that the rear seats fold down, rear glass removes, and the midgate system drops down. Essentially it turns it from a crew cab short bed to a two door long bed pickup. After the midgate is folded down, you could even use the rear bed as a comfortable sleeping quarter if necessary. Outdoor enthusiasts really love the sporty flexibility of this midgate feature. Mountaineers will love it, because they can put two tents in the truck bed without having to pitch a base camp tent.

Environmentally conscious truck drivers will love to have a fuel-saving truck that can also same performance. The Chevy Colorado is now using a smaller 3.5L engine and still packing a nice punch. As a model co-developed with the Japanese manufacturer Isuzu, this pick-up truck has all the much sought after features such as durability, flexibility, comfort and power all rolled into one.

Because there are times when trucks have to go long distances with a load, it was a great idea by Chevrolet to make more options for entertainment and communications. In 2008 Chevy trucks, each were equipped with CD and MP3 capable entertainment packages. Also you will find a state-of-the-art RDS compatible radio system. The latest Avalanche model offers blue tooth, navigation radio, XM satellite, and OnStar. Everything you need to stay connected to the world.

GM actually now uses a new technology that can save on gas. It is called the Active Fuel Management system. This innovative technology switches the engine from 8 cylinder to a more fuel efficient 4 cylinder mode for times when there is not much need for lots of power. The truck’s electronic system does this on the fly without manual intervention.

An environmental statement made by Chevy’s new truck line, is their new ability to burn cleaner E85 ethanol-blended fuel. Ethanol is much more efficient when it comes to the gases that come out the tailpipe when compared to gasoline made from refined petroleum only. Climate change is becoming an issue that the auto industry can no longer ignore and Chevrolet is truly creating an “American Revolution” in terms of changing the status quo in Detroit.

Chevy trucks these days are tough and environmentally friendly. It doesn’t have to be one or the other. If you don’t have a reliable truck, check out what Chevy is doing nowadays. You will be amazed at what they are offering in a new truck. Being tough and being smart are not different things, when it comes to buying a Chevy truck, they go hand in hand. Consider the new features and how it can improve your life… once you do that, you will be holding the keys to a new Chevy truck.