Families in New York can lower their car insurance bills with multiple car coverage discounts
All famiilies look for ways to keep the family budget on track. For families living in New York who have multiple car drivers, this can be especially challenging. FInding multiple car discounts on car insurace coverage is one way New York families can lower their costs. But how do you find family auto insurance coverage with affordable premiums and comprehensive protection for your entire family?
State rules and requirements
New York is a no-fault state when it comes to car insurance. If you or a family member is involved in an accident, 
your insurance pays the necessary funds to fix or replace your vehicle, regardless of who is at fault. The state carries some of the strictest and most comprehensive requirements for drivers relative to the insurance they must have. All licensed New York drivers must carry the following minimum levels of car insurance coverage:
- $25,000 of bodily injury liability coverage for injuries to a single person
- $50,000 of bodily injury liability coverage for injuries to two or more persons
- Coverage for death resulting from an accident must be carried at a minimum of $50,000 per person, with a total payout of $100,000 per accident
- $10,000 of property damage liability
- $50,000 in no-fault coverage (also referred to as Personal Injury Protection - PIP or medical payments coverage, depending on the insurer)
- $25,000 of uninsured motorist coverage for any injuries to a single person
- $50,000 of uninsured motorist coverage for any injuries to two or more persons
Combine these requirements with New York's no fault status and you get insurance rates higher than most other states.
Click here for free quotes on New York family car insurance coverage rates
Family discounts
If you already have car insurance through a New York insurance provider, you can ask your agent if you qualify for a multiple-car discount. When searching for a multiple-car discount for family car insurance coverage in New York, many insurance providers have specific requirements.
State Farm requires certain criteria to be met for a New York family to qualify for a multiple car coverage discount. You need to own at least two private-passenger cars that reside at your residency, and the owners of the vehicles must reside at your residency and be related by blood, adoption, or marriage. If the owners of the vehicles are unrelated, then they must jointly own the vehicles and be designated as insured on your policy.
Geico offers discounts that will take up to 25 percent off your policy just for having more than one vehicle insured. the company also has an "extended family discount" whereby it will offer the same discounted premium rates to children of a family who move out to go to school or even move out on their own without enrolling in college.
Nationwide offers multiple vehcicle discounts families can combine with other discounts through the company. It also offers a "family" plan where you can designate a number of relatives (kids, aunts, uncles, cousins, etc.) for the same plan and where discounts are given to all included in the plan
Most major insurance companies offer a number of discounts on car insurance premium costs, but not all are available to New York families.
If your New York family is seeking ways to lower monthly expenses and you are searching for multi-car discounts on your family auto insurance coverage, getting some advice from a skilled insurance expert could help you immensely. Reply! can provide you acess to insurance professionals in your area who understand New York insurance law and the rates and discounts available to your New York family of drivers.