Blog Press Room Products: Products > Personal > New York Auto Insurance New York Auto Insurance Protect your car, yourself and others. A good auto insurance policy not only protects your vehicle, it protects your lifestyle. That’s why we’re committed to giving you the best protection with a host of coverage options for you and your family. Protect yourself and others: Liability Coverage protects you for damages to others if you are at fault in an accident. Medical Payments Coverage provides payment for medical treatment for bodily injury caused by a covered accident. Underinsured/Uninsured Motorist Coverage protects you for covered damage caused by drivers with no insurance or those who don’t carry enough insurance. Protect your car: Collision Coverage pays to repair or replace your insured car after a covered accident. Comprehensive Coverage pays for covered damages to your insured car, resulting from a peril other than collision, such as theft, windstorms, flood or deer. Protect your assets: Accident Forgiveness may help you avoid rate increases following a first at-fault accident. Personal Injury covers certain reasonable and necessary expenses. Additional Coverage for towing, labor and rental reimbursement. Discounts: Defensive Driver for drivers who complete an approved defensive driving course. Driver’s Training for inexperienced drivers who take an approved driver’s training course. Good Student for full-time high school or college students who maintain a B average or better. Student Away at School for those students more than 100 miles from home without access to a vehicle. Multiple Policies for policyholders who insure their vehicle in addition to their homeowner’s or mobile homeowner’s policy. Multi-Car saves money if you insure more than one vehicle. Security for cars with safety features such as air bags, anti-lock brakes, passive restraints and anti-theft devices. AAA for members. Preferred Mutual offers auto policyholders in New York an optional Premier Auto Endorsement. This is enhanced insurance coverage at a minimal annual cost. This endorsement includes the bundling of 15 coverages, including: towing, rental, new vehicle replacement, original equipment manufacturer parts, personal effects such as car seats, air bag and lock/key replacement, emergency service charges, full glass and more! Find an Agent Find an independent agent near you or search by your independent agent company name. Find by Zip Code Find by Agency Name Resources Tips for Winter Driving What to do After a Car Accident True Cost of DUI Video “I am thrilled that you are empowered to do so much in Customer Service. I applauded PMIC for giving a high level of authority to the front line team, allowing them to service customers thoroughly.” – empowering-customer-service Optional Coverage Homeowners Insurance Snowmobile Boat Motor Homes Preferred Mutual Insurance Company © 2021 Home Sitemap Online Privacy Policy Terms Of Use Disclaimer NYS Domestic Violence 800.333.7642