Your insurance cards must have the same name as the name that appears on the vehicle registration application. However, the DMV will not accept a card if the DMV barcode reader cannot read (scan) the barcode.
Car insurancein New York is expensive because it's a no-fault state with a high rate of insurance fraud. Anyone operating their vehicle must be able to present proof of insurance while operating the vehicle.
This coverage must remain in effect as long as your registration is valid, even if you don't use the vehicle. Since the DMV requires that you have a certain amount of vehicle insurance, you'll need to provide proof that your vehicle is actually insured. New York State offers a mandatory insurance discount for drivers who voluntarily attend a state-approved defensive driving course. You should keep your other New York State insurance identification card in your vehicle, along with your proof of registration.
Your New York State insurance identification cards and the electronic insurance notice together verify your insurance coverage. Driving safely, following traffic laws, and maintaining a clean driving record are the best ways to keep your insurance costs low. The cheapest car insurance companies in New York are Geico, Progressive, and USAA, and getting quotes from several companies can help you find the best deal. And it's also a legal requirement, with repercussions for New York drivers who don't have the minimum amount of coverage.
If you currently have points on your driving record in New York, you may be able to reduce up to 4 of those points if you take the course; this can also prevent your insurance rates from rising. Drivers under 25 and over 65 pay more for car coverage because they are statistically more likely to be involved in serious and fatal accidents. However, in a state like New York, with its highways and an often busy climate, making accidents inevitable, paying for insurance is a good investment. There are several unique reasons why car insurance is also increasing every year in New York, even if your details remain the same.
In addition, your insurance must be issued in the name of the vehicle registrant and remain in the name of the registrant. Learn more about when to cancel optional coverage and penalties for driving without insurance in New York to make sure you're paying for the coverage you need.