Getting no fault insurance can vary a lot in price. I would recommend researching as much as you can about car insurance. For example, you can often opt for simply storage insurance coverage and pay as little as $20 per month.
You should be made aware of New York’s requirements for auto insurance. First, insurance coverage must be at least $25,000/50,000 for injury, $50,000/100,000 for death and $10,000 for property damage. New York is considered a no fault state. Remember, even if your car is not being used your insurance must remain in effect as long as it’s registration is valid. Motorcycles don’t have this requirement, as different insurance laws apply here. I would recommend looking into storage insurance if your car is only being used during the summer months.
You insurance carrier must be a New York insurance company. Using a an out-state company is not valid and your insurance will not be accepted is you are involved in accident. Upon receiving your insurance coverage your carrier is required to provide 2 insurance cards to you that will have a bar code strip on the back of it. You will need this when going to the DMV. The DMV will not accept any out of state insurance documents.
Finding an insurance company. This isn’t always an easy task to undertake. I would go with the one that you feel the most comfortable with. Response time to replace your vehicle should be important to you, if you happen to ever have to deal with that.