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Most people who have NY car insurance are aware of Comprehensive and Collision Coverage but most don’t know what they actually cover.  A better understanding of each can help you to determine the risk and reward of either increasing deductible amounts or even dropping coverage to save on your policy premium. What Does Collision Coverage […]

The fact of the matter is, there is no one top insurance company for everyone’s NY auto policies. Insurers can vary widely in overall price and coverage based on the underlying rating factors present for any particular person or household. NY insurance companies tend to differ amongst themselves in the amount of emphasis placed on […]

A multi-policy or insurance bundle is when you carry more than one type of insurance policy with the same insurer.  For most people, that means bundling your auto and home or renters insurance but a bundle can also include policy types such as umbrella, motorcycle, boat, RV, snowmobile, ATV, and more. Two Major Benefits Of […]

The more you have to lose, the more liability coverage you need on your NY car insurance policy.  As opposed to property damage which presents a finite loss potential, injury or liability loss potential is virtually infinite. In New York State, the required minimum coverage for Bodily Injury Liability coverage is $25,000 per person/ $50,000 […]

If you have been thinking that auto, home and business insurance premiums have been rising rather significantly over the past couple of years, you are not mistaken, most insurers have increased rates in all areas due to heavy claim losses. Even though most people have been experiencing the higher price of insurance, there are many […]

In New York State, your car insurance policy follows the car and not you as the driver, so it does cover other drivers. This holds true for NY specific coverage requirements of bodily injury liability, property damage, personal injury protection (PIP) and supplementary uninsured/underinsured motorist protection (SUM). What If Someone Borrows My Vehicle and Causes […]

In light of the current economy and the highest inflation rates in decades, every penny can count when it comes to savings. One way that married couples can save not only pennies, but up to hundreds of dollars per year is to do a check and get some quotes on their car insurance. One simple […]

Why Have NY Car Insurance Rates Gone Up? There are 3 certainties in life, death, taxes, and rising auto insurance rates. For those with good driving records and good to excellent credit, you might have come to expect rather small renewal increases or no increase at all on your NY auto insurance. Yet over the […]

You might think that all of your personal belongings are fully covered when you take out a homeowners or renters insurance policy, but you’d most likely be wrong. Most insurance companies have “Special Limits” included on their policies that place a cap on the amount of reimbursement for certain items. For example, someone breaks into […]