To compare life insurance quotes online for New York citizens with top life insurance providers, you can use various tools and resources. Here are some steps you can take:

1. Insurance Comparison Websites: Use online platforms that allow you to compare quotes from different insurers. Some popular websites include Policygenius, Insure.com, and NerdWallet. These platforms typically provide a side-by-side comparison of quotes, coverage options, and customer reviews.

2. Visit Individual Insurance Company Websites: Go directly to the websites of well-known life insurance companies that operate in New York. Many companies have online quote tools that allow you to enter your information and receive a personalized quote. Some top life insurance providers include Prudential, New York Life, MetLife, and Northwestern Mutual.

3. Consult with Independent Insurance Brokers: Independent insurance brokers have access to multiple insurance providers. They can provide you with quotes from different companies and offer insights into which policies may be best suited to your needs. This personalized advice can be valuable in making an informed decision.

4. Check Financial Ratings: Before making a decision, review the financial ratings of the insurance companies you are considering. Agencies like A.M. Best, Moody's, and Standard & Poor's provide ratings that indicate the financial strength and stability of insurance companies. Choose companies with high ratings for added confidence.

5. Seek Recommendations and Reviews: Ask for recommendations from friends, family, or colleagues who have experience with life insurance in New York. Additionally, read customer reviews and testimonials to gauge the satisfaction of policyholders with different insurance providers.

6. Consider Local and Regional Options: In addition to well-known national companies, explore local or regional insurance providers that may offer competitive rates and tailored coverage for New York residents. Local insurers might have a better understanding of state-specific regulations and needs.

Remember to compare not only the premium costs but also the coverage details, policy terms, and any additional benefits or riders offered by each company. Take the time to understand the terms and conditions of each policy before making a decision. Additionally, if needed, consult with a financial advisor for personalized guidance based on your specific situation and preferences.