Long Island NY Car Insurance
Apple Insurance Agency is independent and locally owned, serving the car insurance needs of Long Island and all of New York for over 34 years.
The right auto insurance policy in New York will help get you back on the road quickly after your car is damaged or destroyed by accident, fire, theft, or other covered event. It may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
As a local, independent insurance agency, Apple Insurance Agency can help you find the right policy for your car by comparing quotes and coverage options from several top providers.
In addition to cars, we insure motorcycles, classic cars, motor homes, boats, Jet Skis and ATVs too.
How much auto insurance do I need in New York?
Our agency is based in Long Island, so we understand the needs and requirements of drivers in New York.
Car insurance requirements vary by state. In New York, to drive you must carry:
- $10,000 for property damage for a single accident
- $25,000 for bodily injury and $50,000 for death for a person involved in an accident
- $50,000 for bodily injury and $100,000 for death for two or more people in an accident
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. While the above amounts are all that New York law requires, they are often not enough. Contact us to find out how much coverage you should be carrying.
To finance a car in New York, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.
Every situation is unique – request a free quote or call us at (631) 425-1888 today to find out how to get the best price and value on auto insurance for you.