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Albany, New York Auto Insurance

In Albany, NY, you have to be at least 16 years old in order to drive legally. Drivers who are between the ages of 16 - 18 are required to follow a special set of laws that are known as a graduated licensing policy. Even if you were issued a license in another state, you will still have to follow the graduated licensing regulations until you are 18 years old. Graduated licenses may seem cumbersome, but they provide safer driving conditions for young drivers, which can help keep their insurance costs down as well as keeping them safe.

Testing Locations in Albany

Albany has two separate driver's license road testing areas depending on the type of license you need. Anyone who wants to earn a driver's license that allows them to operate a standard automobile or a motorcycle will need to visit the facility on N. 2nd St. between N. Pearl St. and Broadway. A sign will indicate the proper place to wait to begin your test. Drivers who are interested in earning a CDL license will need to stop at the facility on Van Woert St. between N. Pearl St. and Broadway. A sign will indicate where to begin your CDL test.

How the Graduated License Law Works

Graduated licensing policies were put into place in order to reduce the distractions for drivers between the ages of 16-18. These drivers typically have the highest rates of accidents, which can make them extremely expensive to insure and more dangerous behind the wheel. The graduated license law states that drivers under 18 must have completed at least 50 hours of supervised driving with a learner's permit before they can take a driver's license test. Once they have their license, they are only allowed to transport one passenger under the age of 18 if there are no adults in the car.

What to do if Your Road Test is Canceled Due to Weather

Albany experiences heavy snows during much of the winter, which means there is always a chance that your driver's license road test will be canceled due to inclement weather. In most cases, the DMV will be able to post weather related cancellations on their website. Once the site has been canceled, the DMV will post detailed instructions for any tests that were delayed due to the weather. You should not have to begin the scheduling process over again.

What You Need Before Your Test

It is important to begin preparing for your driver's license road test well in advance. Appointments need to be scheduled at least two weeks prior to the testing date. Your learner's permit must be valid on the date of your test. You also need to bring certificates that prove you have had the required number of supervised driving hours or completed driver's education.

These stipulations are meant to make sure that every driver is ready to drive by their test date. Insurance rates can be kept lower by good preparation. If you would like to find out how much you would pay for insurance, enter your zip code into the form on this page.

Finding the most affordable auto insurance that also gives the best coverage is difficult. It is extremely important to shop around, unless you have money to burn and price is not a problem for your budget. Searching out multiple quotes these days is made easy by way of the internet. There are several websites available online to help you pull together as many quotes as you need in order to make an informed decision that benefits you and your family.

New York State requires all resident drivers to carry minimum coverage before getting behind the wheel. Albany is the sixth largest city in the State of New York and it is also the capital. Vehicles are prevalent in the area, making it very necessary to carry some form of insurance. National statistics show that most accidents, both property damage and fatal, happen within a block or two of home or work, at speeds well below 50 miles per hour.

Before signing on the dotted line with any insurance company check to make sure that it is licensed to do business in the State of New York, because if you don't, and you're in an accident, you will be out of luck with any claims that you may file. Another thing to take into consideration is your credit score because it will play heavily on the amount of premium that you pay.

Albany car insurance companies also take into consideration your driving record, who, besides you, drives your vehicle, where you live and how far you commute, as well as where you park your truck or SUV overnight. In other words do you park in a garage or do you park on the street, where theft is a possibility. Insurers also look at the safety and security equipment that is installed on your vehicle. Something as simple as a bar lock on the steering wheel will help cuts costs. The important thing is to take your time and do your homework before making decision. Remember, a wrong decision can cost you a lot of money.