Definition: The word "cheap car insurance New York" refers to a type of insurance policy that allows a driver to purchase an additional amount of coverage, typically referred to as an annual premium or deductible, in exchange for lower premiums compared to traditional auto insurance policies. This term is often used in the context of online insurance platforms and websites. These sites typically allow users to select different levels of coverage based on their own driving habits, risk tolerance, financial situation, and other factors that affect car insurance costs. Some common examples of "cheap car insurance New York" policies include: - Comprehensive coverage: This covers accidents caused by physical damage, bodily injury, liability, and property damage. The policy typically includes limits of $500,000 or more per accident. - Liability coverage: This protects the driver from personal injury claims involving others in an accident. It also covers medical expenses if you're injured in a car accident. - Collision coverage: This ensures that your car is covered in case of an accident due to collisions with other vehicles. The policy typically limits $20,000 per accident. The key difference between the "cheap car insurance New York" policies and traditional auto insurance is their use of higher premiums for lower coverage levels. By choosing a "cheap car insurance New York" policy, you're essentially getting more coverage at a slightly lower cost than what traditional policy holders would pay. This can be particularly beneficial if you're not sure about your driving habits or are looking to save money on insurance in exchange for peace of mind and protection against potential accidents. However, it's important to note that the value of the "cheap car insurance New York" policies varies widely based on factors like the cost of premium per accident, the level of coverage offered, and your financial situation. Always shop around to find the best rates possible when choosing a policy.

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