Adams Car Insurance
Last Updated on November 19, 2023
Auto insurance in Adams, NY, operates under the regulations set by New York State, which requires drivers to have certain minimum coverages. These include No-Fault (Personal Injury Protection), Liability, and Uninsured Motorist coverage. The primary purpose of these coverages is to ensure financial responsibility in case of accidents, covering medical expenses, lost earnings, and damages to other people and their property.
Factors Affecting Auto Insurance Rates in Adams, NY
Several factors influence auto insurance rates in Adams, NY. These can include the driver’s age, driving history, type of vehicle, and the amount of coverage chosen. Additionally, external factors like regional accident rates and weather conditions can also affect premiums. Residents need to be aware of these factors when selecting their insurance plans.
New York State Auto Insurance Requirements
New York State mandates specific minimum requirements for auto insurance:
- No-Fault (Personal Injury Protection): This coverage pays for medical expenses and lost earnings up to $50,000 per person, regardless of who is at fault in an accident.
- Liability Insurance: This covers damages to other people and their property, with minimum limits set at $25,000 for bodily injury per person, $50,000 for death per person, and $10,000 for property damage.
- Uninsured Motorist Coverage: This is required for bodily injury due to accidents with uninsured drivers or hit-and-run incidents.
Continuous coverage is essential, as failure to maintain insurance can result in substantial penalties, including suspension of vehicle registration and driver’s license.
Best Auto Insurance Companies in Adams, NY
Residents of Adams, NY, have access to various reputable auto insurance providers. Some of the best companies include:
- Progressive Insurance
- MacIlvennie & Brown Insurance Agency
- State Farm Insurance
- Farm Family Life American
- Jims Insurance
- Bartholomew Cheney
- Elizabeth Hamilton
- Jared Spaulding
Local Auto Insurance Agents
*We are not affiliated with any of the agents listed below
Macilvennie & Brown Insurance & Financial Services
10868 Us Route 11, Adams, NY 13605
Allstate, NY Central Mutual, Safeco, Travelers
10384 Us Route 11, Adams, NY 13605
Agents: Elizabeth Umstead, James Cheney
Worden Insurance Agency
12767 Us Route 11, Adams Center, NY 13606
Main Street America, Mercury, Kemper
ENV Insurance Agency
3841 County Route 121, Mannsville, NY 13661
17481 Us 11-2r, Watertown, NY 13601
18455 Us Route 11, Watertown, NY 13601
18849 Us Route 11, Watertown, NY 13601
18987 Us Route 11, Watertown, NY 13601
Grimsley Agency Of New York
110 Bartlett Rd, Sackets Harbor, NY 13685
19482 Us Route 11, Watertown, NY 13601
Choosing the right auto insurance in Adams, NY, requires understanding state requirements and the factors that affect insurance rates. By comparing offerings from top insurance companies and considering personal needs and circumstances, residents can find suitable coverage. It’s also vital to maintain continuous insurance coverage to avoid penalties and ensure financial protection in case of accidents.