Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 18, 2021

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Key takeaways...

  • DCAP car insurance is a 30-year-long company serving all five boroughs of New York City, Westchester County, and Long Island
  • New York is an at-fault state where individual drivers need to protect themselves in case they are at fault for causing an accident with injuries or property damage
  • Make sure while comparison shopping you research the company’s financial strength with third party review companies such as Moody’s

DCAP car insurance is a 30-year-long company serving all five boroughs of New York City, Westchester County, and Long Island. It specializes in finding insurance products for these residents, which can be challenging for this region because of the cost of living and laws surrounding such products.

According to the Insurance Information Institute, which tracks statistics and reports on trends in consumer insurance, New York State ranks about third in the nation for the most expensive car insurance costs.

The average insurance is 1,500 per year, and that figure does not include the costs to buy comprehensive or collision coverage.

With the financial burden of car insurance so much higher than in other states, it pays to be vigilant about costs and to likewise compare quotes for coverage.

Relying on the same company every year to provide quotes or even the same insurance coverage, without shopping around, can add handily to the costs of your insurance. Start comparing car insurance rates now by using our FREE quote tool above!

Know Your Minimums


For car insurance buying, essentially you have a few avenues to take. For starters, learn your car insurance minimums that the State of New York Department of Motor Vehicles requires.

It is an at-fault state where individual drivers need to protect themselves in case they are at fault for causing an accident with injuries or property damage.

  • Minimum 10,000 dollars coverage for property damage per accident.
  • 25,000 dollars bodily injury liability coverage per individual injured, or 50,000 dollars per death of individuals involved in the accident.
  • 50,000 dollars bodily injury and 100,000 dollars for the death of two or more people in an accident you cause.

Face it, New York is expensive. There’s a lot of people, and it costs more to live here. Accidents cost you, and yet not buying enough insurance may be the most expensive mistake you can make.

For instance, rather than buy the state minimum, increase it to 100,000 bodily injury liability per person and 300,000 bodily injury liability per accident.

The property damage liability minimum is a bit low as well. Try for 50,000 dollars at least for property damage.

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Exploring Options

There are ways to maximize savings while you shop for your insurance.

  • Buy multiple insurance policies from the same carriers
  • Insure all of your vehicles with the same company, and keep all cars, trucks, and SUVs on one policy
  • If you have teenagers, compare insurance with them on your family insurance, or on their own policy. You might be surprised to find that sometimes insuring a teen on their own actually costs less
  • Increase deductibles. Do not make them astronomical because you may actually have to come up with those dollar amounts in a snap. Additionally, with car insurance, you will need to come up with the deductible every time you make a claim, even if it is, unfortunately, multiple times in one year.
  • Consider whether you can afford to drop collision and comprehensive. Oftentimes, people drop all coverage from their vehicle after the eight-year mark, or when the cost of coverage and the deductible plus the benefits basically break even with the cost of the vehicle.
  • If the teen driver is a particularly good high school student, then go with a company that offers up a good student discount.
  • Have all drivers on your insurance successfully complete a defensive driving class and sign up for more discounts with insurers who honor this discount.

Often, you have insurance but are being told not to use it, unless it is a huge emergency. While you may feel somewhat flummoxed that you are forced to buy insurance, then discouraged to use it, you are right.

In some cases, you are better off paying to cover repairs out of pocket. When you file a claim, you have to come up with a deductible and are charged more in insurance costs for approximately three years after the fact. So, make it worth your money and your while if you are going to file a claim.

You may find is that you are actually rewarded very kindly by your long-time vehicle insurance company with forgiveness on accidents, or with a deductible that is reduced every policy period you do not make a claim.

The insurance companies have to pay their employees and staff more for performing administrative duties with every claim. Whether a claim is for burglary or a near-death accident, they pay the same fees to their employees.

Narrowing Down the List


Now you are coming closer to the final stages of defining what you need to buy for your auto insurance. At this point, you are ready to get quotes for coverage.

Exclude any companies that might have trouble paying claims. Those include companies whose financial ranking is anything less than an A-range rating on sites such as Moody’s.

The great part about quotes systems is that you can try out different numbers without receiving 4,000 calls from local insurers.

Until you submit to an insurer, you are under no obligations, and not yet on the insurance companies’ radar. Just make sure that you do keep within the parameters of your insurance needs while playing around with your entries.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Buying insurance even in a high-cost state like New York can be rewarding for consumers. Just be wise and know your needs. Start comparing car insurance rates now by using our FREE tool below!