Types of coverage
The coverage that repairs to your own vehicle after a crash with another vehicle or object, regardless of who’s at fault
What is Collision coverage
Will cover costs for crashes with a damaged/injured other party, crashes without another vehicle, or crashes where the other driver lacks insurance or fled the scene without being identified.
What is your insurance
The amount of car insurance providers in the U.S.
What is over 500
The cost to repair it, its overall safety record and the likelihood of theft
What is Vehicle price
Roughly the amount of U.S. drivers uninsured as of 2022
What are 1 out of 7 U.S. drivers
The coverage pays for damage you cause to another person's property and injuries to others when you are at fault?
What is Mandatory Liability Coverage
The coverage required on all registered vehicles
What is Liability coverage
the second-largest auto insurer, also offering 24/7 service, they can save 7% when bundling auto and home
What is Progressive
The practice of purchasing multiple insurance policies—such as auto and home/renters—from a single provider
What is Bundling
rates have skyrocketed by _____ nationally since 2011
What is 30%
Covers damages when the at-fault driver has no insurance or insufficient insurance
What is Uninsured/Underinsured Motorist Coverage
The typical amount of liability coverage for property damage
What is $10,000
24/7 service, lower rates than other competitors while also offering discounts to those who are good drivers (up to 26%) and people who have or are serving in the military (up to 25%)
What is GEICO
Traffic violations, DUIs, and at-fault accidents
What is Driving Record/History
The average percent getting caught texting/using your phone while driving will raise your insurance
What is 23%
Covers damage to your car caused by events other than collisions, such as theft, vandalism, fire, hail, or hitting an animal
What is Comprehensive Coverage
The typical amount of liability coverage for bodily injury
What is $25,000
This company has the second highest score you can receive for financial stability. You can also receive a discount for even being a good student maintaining a “B” average
What is Travelers
A specific group of people—usually employees or association members—under one master policy, often offering lower premiums than individual plans
What is Group insurance
The average insurance premiums for NY
What is $3,018–$4,092 annually
The two auto coverages that pay for medical expenses regardless of who caused the accident
What is Personal Injury Protection (PIP) and Medical Payments (MedPay)
The typical amount of liability coverage of death of a person involved in the crash
What is $50,000
Has an average rate 23% lower than the statewide average cost of a policy and was ranked first among New York auto insurers for customer satisfaction in J.D. Power’s 2025 U.S. Auto Insurance Study
What is NYCM Insurance
Drivers Education Courses
Good Credit Record
Higher Deductibles
Low Annual Mileage
Long-Time Customer
More than One Vehicle on the Same Policy
ECT....
What are common discounts
High claim severity, particularly a ___ increase in bodily injury costs, continues to push rates up.
9.2%