New York state car insurance: Review your options and how to save

The state of New York requires drivers to maintain minimum levels of auto insurance to cover the cost of injuries, damage to property, and financial protection from uninsured motorists.

The cost of car insurance in New York is rising, and drivers across the state are looking for ways to save.

Many New York drivers opt for additional car insurance coverage above the state-mandated minimums.

Collision car insurance coverage will pay the repair or replacement costs.

Supplementary uninsured/underinsured motorists ( SUM ) coverage with higher limits than mandatory minimum.

New York Automobile Insurance Plan (NYAIP) provides coverage through the NYAIP.

You can obtain a "careful driver" discount after one year in the plan if you've had a driver’s license for at least four years .

Insurance companies must report to the New York Department of Motor Vehicles whenever someone buys a car insurance policy, renews one, or cancels one.

The DMV tracks this information on its electronic database, the Insurance Information and Enforcement System (IIES) It's illegal to drive your car in New York if you have a08 blood alcohol content or higher.