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comprehensive Archives - Horan Companies - New York Insurance Agency, Baldwinsville, NY

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

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
When a car suffers damage it might not take as much as you'd think to make it totaledCar InsurancePersonal Insurance

How is a car considered totaled?

Question 11 in 100 insurance Questions in 100 Days https://youtu.be/i4emcTmZQ4g Is My Car Totaled? You've probably heard someone refer to their car as "totaled" after an accident. Perhaps you yourself have experienced the same. To many, totaled means non-drivable or completely useless... and destined for the compactor at the junk yard. Though that can be true, you might be surprised to hear that it can take very little to total a vehicle. When you carry comprehensive and/or collision insurance on your auto policy, you are insuring yourself for the actual cash value of the car. Actual cash value or ACV,…
August 17, 2017
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