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Blog - Teen Driver Smiling Behind The WheelCar InsurancePersonal Insurance

When should you insure your teenaged driver?

Having a new 16-year-old is a big deal for parents. It’s also a big deal for your car insurance company. Leading up to the time that your son or daughter turns sixteen it’s a good idea to begin laying the groundwork for some important changes to your insurance. Insurance rates for teen drivers are considerably more expensive than the rates you’ve been accustomed to as the parent. Forecasting what the changes might look like will help you become better prepared for their successful road-test. Things to consider Does my teen want to get licensed? Once a license is issued for…
February 10, 2022
Why Cheap Car Insurance Is So ExpensiveCar InsurancePersonal Insurance

Why Cheap Car Insurance Is So Expensive

Before cutting down your car insurance there are things to know. Do you ever find yourself looking for ways to trim your monthly expenses? Perhaps the XM subscription could go, or maybe the cable is finally up for consideration (that home phone line went bye-bye years ago). Or maybe, that money-sucking-always-increasing-car-insurance-policy could use a scalpel. Tempting? Sure. But, before you throw it on your table and go all Dexter Morgan with it, you’d be wise to familiarize yourself with the basics behind all those big numbers. Before we go down that rabbit hole, there’s a secret I’m going to let…
February 4, 2022
Car InsurancePersonal Insurance

DON’T Break Glass in Case of Emergency!

Don't Break Glass in Case of Emergency! The sound of the car door closing behind you rings in your head, and then it happens. Keys!! You turn and peer into the window, and there they are. Sitting like orphans on the front seat, or hanging from the ignition. Your brain goes through rapid fire scenarios and possibilities as to how you'll resolve this. Do you: Call someone at home to bring a spare key? Use your roadside assistance plan? Call a locksmith? Grab a wire hanger? or.... Bust the window!? If you have comprehensive insurance coverage with a zero dollar…
February 6, 2018
Car InsurancePersonal Insurance

New York Rules that Auto Insurance Rates Can’t be Based on Driver’s Level of Education

New York says goodbye to Auto Insurance Rates being based on driver's education Could New York auto insurance rates get smarter? The New York Department of Financial Services (DFS) has finalized a regulation aimed to protect New York drivers from being unfairly discriminated against. The regulation centers around insurance carriers that were using a driver's level of education or occupation data when determining an auto insurance rate. After a multi-year investigation, the DFS came to a couple conclusions. Education played no role in determining whether someone was a better driver. The risk of loss was not higher regardless of a…
January 25, 2018
Car InsurancePersonal Insurance

If my car is stolen, what happens?

Question 84 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/Ed1A4bV7pYE Hopefully a stolen car is not something that you will ever have to experience. However, in the event your car is stolen, but later recovered what do you think might happen to it? How does it work with your insurance company? Watch this brief video to learn more.
October 29, 2017
Car InsurancePersonal Insurance

What insurance gaps exist when driving for Uber or Lyft?

Driving for Uber or Lyft in New York State? https://youtu.be/A8KOlHxkCQU Thinking about driving for Uber or Lyft in New York State (specifically central and upstate)? Ride-sharing is an exploding industry which has taken the use of modern technology and made it simple to book a ride with just a couple of clicks on your Smartphone. It's also become another way for people to earn some extra money. If you own a car, can meet some basic background requirements, and are over 18, then you can apply to become a driver. Then, just wait for someone to book a ride with…
October 24, 2017
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