New York Defensive Driver Course; is it worth it?

By | Auto Insurance, Discounts, Rates Prices

Question 32 in 100 Insurance Questions in 100 Days Video Series When deciding whether or not to take the defensive driver course in New York State when trying to save extra money on your auto insurance. You’d be wise to consider the information in this short video. It’s not all that it seems and you could be doing yourself a disservice if your savings is MORE than it is supposed to be.

Read More

When does a ticket or accident stop hurting your rates?

By | Accidents, Auto Insurance, claims, Rates Prices

Question 17 in 100 Insurance Questions in 100 Days This is a common question and one that doesn’t always offer a favorable answer. Most insurance companies are going to go back 5-years for all drivers on the policy. Any infraction will impact the overall rate of the policy. This is why having a small claim can often be more costly over time than the actual dollar amount of the claim. Watch the video for more information.

Read More

Is Liability on Auto Insurance Meaningless?

By | Accidents, Auto Insurance, claims, Driver Safety, Rates Prices

Question 5 in 100 Questions in 100 Days In order to register a car in New York State, you have to first show proof of insurance. Not insurance that protects the car. The state couldn’t care in the least if want to protect your vehicle. Instead they are ensuring that you have liability insurance in case you injure someone or damage something. There is a minimum amount that you are required to carry. $25,000 per person $50,000 per accident $10,000 property damage Anything beyond those limits are your responsibility. For example, if you run a stop sign and tee-bone a…

Read More

How Does Credit Impact Insurance Premiums

By | Auto Insurance, Homeowners Insurance, Rates Prices

Question 4 of 100 Insurance Questions in 100 Days Though your actual score might not be used when a company asks to review your credit worthiness, how you’ve handled your credit will be. Almost every insurance company requires a credit check before a final quote can be provided. This check helps make up your insurance score. The better your credit, the better your score might be. Even with good credit, if you’re an inexperienced driver, or have had a few claims, you could still see rates higher than you would probably like.

Read More