Car insurance is vital, and is legally required if you want to drive on the roads of New York. So why do you need auto insurance? Firstly, if your care gets damaged or stolen, you can recoup these damages which will help you pay for a new car or get your existing car repaired. Secondly, every driver is required to have 3rd party insurance, which means that they must cover other drivers in case they crash into them (and it is their fault).
This essentially means that everyone is covering everyone else, which is why it works. If you're a first time buyer, or if your existing car insurance policy is expiring then it's time for you to look for a new one. At first it might seem like all insurance companies are the same and will offer you the same price, but this is not true. In fact, every company is different (due to the policies, staff and values), and will therefore charge you a different (or at least a unique) price for your insurance.
The best way to look for car insurance quotes is online, via an insurance website (a comparison website, which takes your details and enters them into every other insurance company. The results are returned to you, and then shown in order of cheapest to most expensive).
Another important point to remember is that your credit history affects the price of your insurance more than you might think. Keeping your credit history in order and at a high level is very important, and the simplest way to do this is basically to make all of your payments (eg. for credit cards and bills) on time and for the full amount.
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