Auto Insurance Quote Forms
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Auto Insurance Information
Good Drivers are Responsible Drivers.
At Bob Putnam Agency, we believe car insurance should be simple and affordable. Insurance can be a source of confusion and stress for many drivers, especially those who have accidents in the past. Having the right insurance policy can give you peace of mind about staying covered without paying too much.
Bob Putnam Agency is dedicated to working closely with clients to identify potential risks, reveal factors affecting your rate, and tailor policies that are just right for their vehicle and their wallet.
Car Insurance Requirements in New York
All of our car insurance policies come with liability insurance as required by the state. New York’s car insurance requirements are:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$50,000 in liability for death per person
$100,000 in liability for death per accident
$10,000 in property damage liability
$50,000 in personal injury protection
$25,000 per person/$50,000 per accident in uninsured motorist
Coverages We Offer
Minimum requirements don’t account for all the coverage you need. Liability insurance won’t cover damages to your car, after all. A full coverage policy from Bob Putnam Agency may include:
Comprehensive Coverage: Comprehensive coverage provides compensation for damages to your vehicle due to fire, wind, hail, lightning, smoke, explosion, theft, vandalism and more.
Collision Coverage: Collision coverage provides compensation for damages to your vehicle due to a collision with another vehicle or object.
Liability: Liability insurance covers bodily injury and property damage you may cause someone else while operating the insured vehicle.
Personal Injury Protection: Personal injury protection (PIP) compensates you and your passengers for medical expenses after an accident, no matter who is declared at-fault.
Uninsured/Underinsured Motorist: This insurance provides compensation for expenses related to an accident involving a driver not carrying insurance.
Roadside Assistance: Roadside assistance can help with trip interruptions such as flat tires, running out of gas and needing to be towed.
Is New York a Fault State?
New York is a no-fault state when it comes to car accidents. This means that each party is responsible for filing claims with their own insurance provider for compensation regardless of who caused the accident.
Insure Your Vehicle Today
An accident can be devastating to your peace of mind and your wallet. Get insured with Bob Putnam Agency today by calling 607-397-1999 or filling out an online quote form.
Common Car Insurance Questions
There are three types of coverage available under a car insurance policy: physical damage, liability and medical. Physical damage encompasses damage to your vehicle, like comprehensive and collision, while liability covers injuries or damage you may cause to someone else. Medical coverage helps cover the medical expenses of you and your driver after an accident.
In general, car insurance looks back 3-5 years on your driving record and credit score. Keep in mind that some violations last quite a long time on your record. A DUI, for example, remains on your driving record for 10 years in most states.
You may insure multiple vehicles with different policies, but insurers generally won’t insure the same vehicle twice. In some cases, it may be cheaper to have multiple cars on the same policy. There are times with you may need more than one policy, however, such as if you have a teenage driver needing their own policy.
When you file a car insurance claim, an underwriter from the insurance provider will investigate the claim and calculate the damages. When the claim is approved, you will receive a lump sum of compensation for the damages. Other types of compensation, such as medical payments, are paid out as the costs arise.
A full coverage car insurance policy in New York costs about $208.16 a month. This price varies depending on your zip code, driving record, credit score, deductible, value of the vehicle and more. Fill out an online quote form to discover how much you can save on insurance today!