Auto Insurance

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Auto Insurance Information

Auto Insurance in New York

As a car owner, getting adequate auto insurance is essential for the safety and protection of you and your vehicle. With our network of quality carrier options available to you, our agents will find you an auto insurance policy that is both adequate and affordable.  

Cali Agency is the trusted source for auto insurance in Lindenhurst, New York. When you come to us, we take the hassle out of working with a large, impersonal insurance company while still helping you get personalized insurance solutions that help you when you need them most.  

To get your auto insurance policy today, visit our website or call us at 631-592-1250. 

Common Auto Insurance Questions  

What Is Auto Insurance?  

Auto insurance is a promise of financial assistance and protection if you are involved in an accident. In exchange for this protection, you pay the insurer a premium. With auto insurance, you can rest assured that you have a level of protection against liability, property, and medical costs if you’re involved in an accident.  

What Does Auto Insurance Cover?  

Every auto policy is different, and what you’re required to carry may vary based on state mandates and whether or not your vehicle is financed. Listed below are common types of auto insurance coverages that may be available to you:  

  • Liability insurance: If an accident is deemed your fault, this coverage may help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you. You are required to carry minimum amounts of liability coverage in the state of New York.

  • Bodily injury liability coverage: This plan helps pay for third-party medical bills and sometimes for death benefits. You must carry at least:

  • $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

  • Property damage liability coverage: This helps pay for damage to the other party’s property. You must carry at least $10,000 in property damage liability for a single accident. 

  • Collision insurance: This coverage helps to pay for damage to your own vehicle that you sustained in a wreck.

  • Comprehensive insurance: This coverage helps pay for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Personal Injury Protection: If you or any other covered drivers or passengers under your policy get hurt in an accident, regardless of who is deemed atfault, this coverage can help pay for your medical bills, lost wages and other expensesYou are required to carry at least $50,000 in PIP coverage in New York. 

  • Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.

What Does Auto Insurance Cost?  

Numerous factors can influence the cost of your auto policy, including:  

  • Your chosen coverage limits

  • The value of your vehicle

  • Your driving accident history

  • Your history of claims on other auto policies

  • Where you live

  • How far you drive each year

It’s possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.  

Contact one of our Cali agents at 631-592-1250 or visit our website for a quote on an auto insurance policy today. 

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