New York is home to hundreds of thousands of students, from those who are attending the local community college to international students who have traveled to attend New York’s most prestigious universities. Let’s take a brief look at how car insurance works for students in New York, and learn about the key points for those who are coming to New York from somewhere else to study.
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Car Insurance For Students Who Are Residents Of New York
For those who call New York home, there is nothing else on the regular car insurance and what will be necessary for the student, no matter where in the country they can attend school. If the student has a driver’s license in New York, they will be able to get car insurance, just like any other driver, and making a quick call to the insurer may be a street address changed to fit their new city of residence.
That being said, it is worth checking for any discounts or incentives offered by auto insurance companies that are focused on students. Most insurance companies offer some form of academic or student discount – even if the total cost of car insurance is usually higher for young drivers. This is also true after graduation as insurers hurry to try to make a new business from potential lifetime customer.
New York Car Insurance for Students From Other States
Those moving to New York from other states for the study should be aware that auto insurance laws vary from state to state, and the laws of New York may vary significantly. The most important difference is that New York is working under the “no-fault” insurance, which means that in the event of an accident, the insurance company each driver pays for medical expenses, property damage and injury to passengers. This is very different from the States, who work under the “tort” auto insurance laws that allow drivers to sue the driver, who is considered to be “at fault” party in an accident.
Students moving in from other states should also pay special attention to where they live and how much is car insurance for students in this particular area. Insurance rates vary from postcode to postcode, and there are areas in every city, which are considered higher risk than others. If your car insurance is expensive near campus, a quick call to the auto insurance agent can help to find the least expensive areas to live.
Check this video to learn more about car insurance for students: