Automotive insurance can be a true hassle when deciding what works for how, where, and possibly when you drive. New York City or any major population city of driving (if you’re lucky enough to own a car in NYC) is a major hassle if not searching for the correct provider for your insurance. When searching for car insurance, shopping around and asking friends what they have for providers are essential when figuring out what works for you, your driving record, gender, and how long/often you’ve driven. Here’s some pointers I’ve learned from personal experience regarding car insurance and what I did to avoid headaches.
What kind of car you drive – This is an issue to consider regarding car insurance and your car’s history (combined with your driving history) are what makes this important. A used car may cost less than a new car with no previous owners simply because it costs more to take care of a brand new car. Always ask if discounts are available for the state of your car (which can also very by the state you live in). A great way to look at shopping your car insurance is the higher the price paid for the car, chances are the higher the rate is going to be.
Where you live – This plays a part on how high your auto insurance is going to be. Are you parking on a street or a driveway/garage? Parking on the street as opposed to a designated place of parking only heightens the chance of something happening to your car due to the fact it is exposed and vulnerable to other traffic/people/construction/ect. activity around it. This also ties into where you are living as well due to activity in the area that could possibly have disregard for your transportation (and what you’re paying for in insurance).
Luckily (since I’ve moved to NYC) there is no reason to own a car, and if anything it is one less thing to worry about. A lot reasons for not needing a car is due to the transportation system and the money that would be spent on an automobile would be spent on rent (wipes sweat off forehead). In NYC, I couldn’t imagine leaving a car outside in an area of constant reconstruction, but this also cuts down on hospital bills treating a stress related illness if I owned a car in NYC, I guess.