The Secret To Getting Really Cheap Car Insurance In New York

New York State is a no-fault state in terms of car insurance coverage. Simply put, this means your car insurance policy will cover you, and the other guy’s car insurance policy will cover him, regardless of who was at fault for the damages.

You can purchase New York’s minimum car insurance requirements just the same as you would in any other state in America; however, New York’s minimum car insurance coverage requirements are a bit more in-depth as far as coverage goes, and pricier as far as costs go.

The minimum car insurance coverage in New York is as follows:

$10,000: Property damage liability

$50,000: Basic, no-fault coverage

Bodily injury liability: For injury, $25,000 per person and $50,000 per accident. For death, $50,000 per person, and $100,000 per accident.

Uninsured motorist’s coverage: For injury, $25,000 per person and $50,000 per accident. For death, $50,000 per person, and $100,000 per accident.

Of course, if you don’t own your car out-right, i. e., you borrowed money from a lender to help pay for it, you may have to purchase more car insurance than the minimum.

Despite the high costs of the minimum car insurance requirements, it is possible to get cheap car insurance in New York. Shop around with a few NY car insurance companies (remember, drivers in New York must purchase car insurance from a company licensed to do business in New York) and ask about what kinds of discounts they offer. Some discounts are pretty standard, such as those for good students and multi-line policies; other discounts may be unique to that particular car insurance company.

You may also make changes on your own to your car. Make sure it is up-to-date with safety features such as anti-theft alarm systems and reinforced window. Child-proof locks aren’t only safe, but impressive to car insurance companies. And instead of leaving your car in the side of the street, store it in a garage.

How To Save Money And Get Discount Homeowner's Insurance In Tennessee

One step to save money and get discount homeowner’s insurance in Tennessee is to take home inventory. You may be wondering, “How will documenting all of my possessions help me get affordable homeowner coverage?” The answer is simple. If you don’t have your belongings recorded, you run the risk of purchasing too little homeowner insurance. Of course, you won’t notice the problem until disaster strikes (your home is robbed, a tornado demolishes your house) and you need compensation for your lost items. Without home inventory, how will you prove you owned that entire state-of-the-art entertainment center, much less receive coverage for it?

You won’t, which means you’ll have to pay for replacements or repairs out of your own pocket. This sort of takes the affordability out of affordable homeowner coverage. Help yourself get a cheap homeowner insurance policy in Tennessee by taking thorough and accurate home inventory.

Take these tips into consideration before you begin your search to save money and get discount homeowner’s insurance in Tennessee.

• Make a list of all things in your home that you’ll need covered by homeowner’s insurance.

• On this list, make sure to include the serial numbers of all electronics.

• Video and photograph each room in your home, and pay close attention to pricier items.

• Gather up all your receipts, especially those for your expensive possessions. If you don’t have them, now’s a good time to start saving them.

As you’re shopping for a cheap homeowner insurance policy in Tennessee, always talk with each insurance agent about further tips for documenting your home’s contents. Different home insurers may have different requirements regarding home inventory. It’s best to make sure you know exactly what’s expected of you before you get started. Too, the homeowner insurance company you choose will have a method of keeping this information on record; however, you may want to keep copies for yourself somewhere outside your home.