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As in most states today, individuals who wish to own and/or operate a motor vehicle in the state of New York must obtain and maintain a minimum level of liability insurance from a registered automobile insurance company. This requirement is intended to reduce the number of uncovered accidents and ensure that drivers are properly prepared for the privilege of driving. In lieu of insurance, drivers may also display proof of financial responsibility in form of a bond or other assurance document. The acronym PIP stands for "personal injury protection." Find out what states require PIP insurance with help from a longtime insurance broker in this free video clip. Pay a yearly sum for your automobile insurance Some companies charge a little more to put their customers on a monthly billing plan. If you are able to pay off the bill in one lump sum for the year, you could save some money and you will have one less bill to worry about. Buy your insurance through the internet. Sometimes companies offer lower rates if you sign up for their service online, and some companies have deals available online only. This is because the service is automated and you don't have to deal with an agent. You may see rates reduced up to 10% or more. Adding an additional car to a GEICO insurance policy is a simple task that can be completed either over the phone or online. Before doing so, determine how much coverage you need, if you can afford the increase in your monthly payments and what your new deductibles will be. Even though adding another car to your GEICO policy is simple, it may not be best for your situation. If you know that the person driving the car is unreliable or drives in a dangerous manner, you may not want to add the individual to your insurance. If you become seriously injured in an auto accident, consider hiring a lawyer to deal with the other party's insurance company. Many parts of the process, such as determining the facts of the accident and liability, are more easily completed with the help of a law firm. In addition, a lawyer may be more pushy with the insurance company about getting things done. It is important to check to see what your state requires before purchasing liability insurance as part of your policy. If damages exceed your liability limits, you will be responsible for the remaining amount. If you cannot afford the remaining amount, you can be sued for it. When you've got to file an accident claim, there are a few details that you should have taken care of immediately after the incident. That includes calling the police to get a report, exchanging insurance information with the driver and getting your own proof of the incident just in case you have a dispute somewhere down the line. There are a few accident claim tips that you should keep in mind if you should ever have to deal with this situation. Funeral expenses PIP helps pay for related funeral expense if the covered individual dies as a result of the car accident. This limit is capped at $1750 per person.


US Residents - Get Big Discounts on Auto Insurance Quotes