As you shop for auto insurance in Albany, you might be wondering about the things that could potentially impact how much you pay per month for coverage. If you’re one of countless New York residents under part-time employment, you might be wondering if you’re able to successfully buy the coverage your vehicle needs to remain legally registered on state roads.

Regardless of whether you have a part-time job or a full-time job, your employment status won’t have much of a bearing on buying a New York car insurance policy, outside of how much you’re willing to spend on premiums each month, of course. In fact, there are many other things that would have a bigger impact on your ability to purchase auto insurance. A clean driving record, your age and marital status, current address and the type of car you plan on ensuring are more likely to affect your total premium.

Unlike health insurance plans that offered through an employer, you don’t have to worry about your part-time or full-time employment status affecting your auto insurance coverage. After all, it’s not like you’re getting your car insured by your employer.

In the end, the only thing that matters when buying car insurance in Albany is your ability to maintain coverage by paying your premiums every month. Having full-time employment will only help your ability to afford more coverage and add more options to your current policy.

It’s a good idea to shop for the best rates you can afford and adjust your auto insurance coverage accordingly, within your legally mandated state coverage limits, of course. As your independent agent, we can help you make the right choices when it comes to streamlining your car insurance budget.