Car Insurance Online Canada

If you are a resident of New York you must carry the appropriate amount of car insurance to meet state mandated requirements. You must also now have health insurance and if you have a home you are going to want to protect it and your belongings. What should you be looking for if you need New York insurance? To assist in your quest for New York insurance, you can get free online quotes , for all of the insurance types outlined here.

Starting with car insurance, you must carry the minimum amount of liability coverage that is required by the state of New York. Those minimums are as follows:

• $25,000 to cover the injuries to one person
• $50,000 to cover the injuries if there is more than one person who is injured
• $50,000 to pay for the death expenses of one person
• $100,000 to pay for the death expenses for more than one person
• $10,000 to cover property damages

You must also carry no-fault insurance which means it doesn’t matter whose fault the accident is you each use your own insurance to pay for your health injuries or property damages.

As for health insurance, you should check to see if you can sign up for health insurance through your employer. If you have a spouse and he or she has insurance coverage through their job you may want to see if you can be added to the policy. If you are not employed or have your own business you can check out the New York Marketplace to see which healthcare plans are available through The Affordable Care Act. Make sure you sign up for the right plan for you and don’t just go by price. You will find out that choosing a plan based on the price could actually cost more in the long run.

If you own a home in New York you will want to protect your investment and purchase homeowners insurance. There are many things you can do to help to protect your home and lower your insurance premiums. With destruction being one of the major and most expensive causes of destruction to your home, having smoke alarms in every room is a good idea. Having a fire extinguisher in the kitchen could also head off a potential disaster from a kitchen fire. A security system will save you about 20% on your New York home insurance premium. Most security companies have a document on their website that you can download and send to them to get your discount.