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Bryan Insurance Agency, LLC

287 Windsor Hwy, Suite 350
New Windsor, NY 12553

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Three Tips for a Great Auto Insurance Policy

Getting the best auto insurance policy for your needs is very important, but you might not be sure of the right way to do that. If you’re in the New Windsor, NY area and looking for an auto policy, Bryan Insurance Agency LLC is here to help. Working with an insurance agent can make it easier for you to get your questions answered and choose the policy that’s going to give you the right coverage and the best value at the same time. Here are three tips to get a good policy.

  1. Understand the different types of car insurance to get the coverage you need.
  2. Review your coverage every year and any time you have a significant life change that could affect your insurance requirements.
  3. Trust your agent to shop around and give you options from several insurers for quality and value.

Many people choose the minimum coverage options for the state and then don’t think about their insurance again, but that’s not always the best choice. Both important considerations are how much coverage you need and whether you should have more than just liability protection. If your vehicle is financed, you also have to ensure you’re keeping the lienholder’s required level of coverage on it.

No matter what you’re considering regarding your auto insurance policy, Bryan Insurance Agency LLC can help if you’re in the New Windsor, NY area. Our trusted agents understand that you have questions about your vehicle insurance, and we want to make sure you get those questions answered. Additionally, you need to review and update your coverage periodically, and that’s much easier with an agent to provide help and suggestions for your vehicle protection needs.

How to Handle an Accident with Your Auto Insurance Provider

Being involved in an auto accident can be a stressful and overwhelming experience. However, knowing how to handle the situation with your auto insurance company in New Windsor, NY can make the process smoother and less stressful. Here are some steps to take when managing an accident with Bryan Insurance Agency LLC:

Stay Calm

It is vital to remain calm and composed after an accident. Check yourself and any passengers for injuries and call for emergency services if needed.

Document the Accident

Please take photos of the accident scene, including the vehicle damage, and gather information from the other driver, such as their name, contact information, and insurance details.

Contact The Insurance Company

Contact your auto insurance company immediately to report the accident and no longer than 30 days. Provide the necessary details, such as the location, date, and time of the accident and the other driver’s information.

Follow Your Insurance Company’s Procedures

Your insurance company may have specific procedures that you need to follow after an accident. Be sure to follow these instructions to ensure that your claim is processed quickly and efficiently.

Provide Accurate Information

Provide accurate information about the accident to your insurance company. Be honest about any injuries or damages that occurred, as providing false information can lead to a denial of your claim.

Work with Your Insurance Company

Your insurance company will work with you to assess the damage to your vehicle and determine the appropriate course of action. This may include repairing or replacing your vehicle or settling any claims made against you.

Keep Records

Record all correspondence with your insurance company, including emails, phone calls, and letters. This will help you keep track of the progress of your claim and ensure that all necessary steps are taken.

In conclusion, handling an accident in New Windsor, NY with your auto insurance company requires you to stay calm, document the accident, contact your insurance company, follow their procedures, provide accurate information, and keep records. By following these steps, you can ensure that your claim is processed quickly and efficiently by Bryan Insurance Agency LLC, and that you can get back on the road as soon as possible.

Why you need Auto Insurance In New Windsor, NY

Is it about that time of the year when your insurance coverage needs to be reviewed? Did you recently relocate to New Windsor, NY, and are you looking for an insurance agency to cover your vehicle? Consider placing your trust in Bryan Insurance Agency LLC, serving New Windsor, NY, for protection from costs that may come with unexpected accidents or the loss of your car.

Auto insurance is a necessity for everyone in possession of a vehicle. Depending on the policy, it is a requirement that you renew it every 6 to 12 months.

However, we cannot be oblivious to unplanned circumstances that may need you to visit your insurer more than when you are renewing your policy. Some of these are what we will help you prepare for:

  • In case of an accident, auto insurance provides security for possible damage to your vehicle. It should cover any damage caused to your or the other party’s car after a collision.
  • Paying off an automotive loan. In the event of the loss of your car that was acquired on credit, auto insurance will assist in paying off the outstanding balance to the dealership or the lender.
  • Injuries caused by an accident. Alongside your health coverage, the auto coverage will contribute to the recovery of you, the owner, or another party that got injured.
  • Loss of property in case of theft or complete damage to the vehicle. The insurance will cover any investment that may be in the car at the time of loss or damage.

Are you a New Windsor, NY resident? If you have just bought or are considering purchasing an automobile and are looking for a partner to walk you through your investment insurance, call or visit us today at Bryan Insurance Agency LLC. At Bryan Insurance Agency LLC, we will offer consultation and information. We are glad to protect you from the financial issues that may come in the event of the loss or destruction of your car.

What Is Full Coverage Auto Insurance? And Who Should Buy It?

Did you just purchase your first car? Congratulations! That new car smell is one of the best smells in the world. And now that you have a car, it’s time to purchase auto insurance.

Unfortunately, navigating the insurance world as a new car owner can be tricky. You may come across the term "full coverage." But what does that mean? And is it something you should buy?

Below is a comprehensive guide to full coverage auto insurance. By the end of this article, you’ll know exactly what it is and whether or not it’s right for you.

What Is Full Auto Insurance?

Full auto insurance is a type of insurance coverage that helps pay for damages to your car resulting from an accident, theft, or other covered events. It typically includes four types of coverage: collision, comprehensive, liability, and medical payments.

Collision coverage pays for repairing or replacing your car if it’s impaired in a collision with an object or another vehicle. Comprehensive coverage helps pay to repair or replace your car if it’s damaged by something other than a collision, such as fire, flooding, or hail.

If you’re responsible for an accident that injures someone or damages their property, liability coverage will help pay for the damage you caused. On the other hand, medical payment coverage helps pay for the medical expenses of you and your passengers if you’re involved in an accident.

Who Should Purchase Full Coverage Auto Insurance?

Full auto insurance is not required in all states. But there are instances where it’s a good idea to purchase full coverage, even if it’s not required by law.

If you’re leasing or financing your car, your lender will likely need you to have full coverage. Full coverage is also a good idea if your vehicle is worth more than a few thousand dollars, as the cost to repair or replace it could exceed the amount of your deductible.

Contact your auto insurance agent if you have any questions about whether full coverage is right for you. They can help you determine the types and amounts of coverage that make sense for you based on your needs and budget.

Contact Us Today and Buy Full Coverage Auto Insurance

Do you think full coverage auto insurance is right for you? If you are in the New Windsor, NY, area, Bryan Insurance Agency LLC can help you find the perfect policy. We understand that every driver’s needs are different. That’s why we offer a range of auto insurance options, from liability-only to full coverage.

No matter your needs, we can help you find an excellent policy that gives you the peace of mind you deserve. Contact us today to get started.

Auto Insurance Do’s and Don’ts

Your auto insurance is a necessary expense each year. Your auto insurance policy will protect you from considerable costs in the event of a wreck, but it is also necessary to operate your vehicles legally. To get the best deals and best coverage, you should follow these auto insurance Do’s and Don’ts from Bryan Insurance Agency LLC, serving New Windsor, NY, and the surrounding areas. 

Do Shop Around

To get the best deal on your coverage, you will want to shop around and compare rates. Insurance companies are happy to give you a quote. Different companies will have various promotions offered at different times. You may be surprised to see how much rates vary from company to company. This is why shopping around is important. 

Don’t Change Insurance Too Often.

Although it is smart to shop around, changing insurance too often will not benefit you and could raise red flags legally. Most people aim to compare insurance quotes about once a year. 

Do Keep A Good Driving Record

Your driving record will be the most impactful thing on your insurance rates. To always get the best deals on insurance, you need to keep a clean driving record. Violations such as speeding, traffic violations, and DUIs will skyrocket your rates. This is because, with each offense, you are considered more and more expensive to insure. Impaired driving is expensive. 

Don’t Lend Your Car Out Often. 

When you set up a policy, you will be required to add any drivers who use your car regularly. The only people who should regularly use your vehicle should be people you trust and who also have a clean driving record. 

If you would like to learn more about our services, don’t hesitate to contact us at Bryan Insurance Agency LLC, serving New Windsor, NY, and the surrounding areas. 

How often should you change your oil?

Vehicle maintenance is an important part of responsible ownership, and the team at Bryan Insurance Agency LLC is here to help. If you are in the greater New Windsor, NY community, let us help you keep your car protected! We understand how important reliable transportation is to our customers.

How often should you change your oil?

All vehicles are different, as are today’s oil products. Timing for oil changes can vary, especially if synthetic oils are used. Generally speaking, you should have your oil changed every 3,000 miles or every 3 months, whichever comes first.

Some factors to consider when scheduling the frequency of your oil changes are the number of miles that you drive as well as the driving conditions that you experience. Someone who drives their vehicle to work every day in stop-and-go traffic will have different needs than a person who drives their vehicle mainly on the highway.

Whichever camp you find yourself in, it is important to keep your car properly maintained and serviced. Another way to protect your vehicle is having the right insurance coverage. This protection can help you keep your vehicle on the road in the event of an accident or another mishap that takes your car out of commission. 

Contact our team today and learn more about the vehicle policy options that are available in our area. 

Protect your car with the right auto insurance policy

Bryan Insurance Agency LLC is here for the New Windsor, NY community. If you would like to find out more about the insurance policy options available to protect your vehicle, call or stop by our office today! We look forward to working with you!

Do You Need Collision and Comprehensive Auto Insurance in New York

When you are purchasing New York auto insurance, you want to be sure that you are covered for the mandatory requirements, and also in the event of an accident. In New York, auto insurance that you must have includes property damage liability, no-fault personal injury protection, and uninsured motorist protection.

These coverages are to protect other parties and cover other parties if you are in an accident. If you want your damages to be covered in an accident, you’ll want comprehensive and collision coverage as well. 

At Bryan Insurance Agency LLC, we want New Windsor, NY residents to have everything they need to feel covered when they are driving. We can help you to design the auto insurance policy that you need.

Comprehensive Insurance

Comprehensive insurance is coverage that will pay you when there is damage to your car due to an event beyond your control. This coverage is for every kind of damage that would occur that is not related to a collision.

If you have weather damage, theft, animal problems, vandalism, or a problem like something accidentally falling on your car, comprehensive insurance can cover you.

Collision Insurance

Where your minimum requirements will cover other parties in the event of an accident, collision insurance will cover. This includes collisions with vehicles, property damage to your car, and even coverage if you rent a car.

Get a Quote

When you are looking for auto insurance in New York, it is a common question to wonder if you need collision and comprehensive. It’s never a bad idea. At Bryan Insurance Agency LLC, we want New Windsor, NY residents to feel covered for every potential problem when they are driving. Call us for a quote today.

When Should You Shop For New Auto Insurance?

Auto insurance is probably one of your most important expenses each month. Not only is this an important way to protect the investment you made into your vehicle, but it is also how you make good on the obligation you have to those in your community and other drivers. At Bryan Insurance Agency LLC, serving New Windsor, NY, we are here to make sure you can easily navigate this important expense. So, when should you shop for new auto insurance?

Adding A New Driver?

If you have a ready-to-drive teenager, you will need to add them to your insurance policy. This can change your rates dramatically. It is a good idea to start shopping around to make sure you get the best deal possible during this time. 

Getting Married

Married couples often choose to combine their auto insurance. This combination will earn you great discounts, and it will simplify your monthly expenses. Don’t forget to ask about couples discounts as well. 

Purchasing A New Car

If you are thinking about purchasing a new car, now would be a great time to compare insurance rates to ensure you are getting the best deal. If your vehicle will be financed, it is almost always required that the vehicle be fully covered. 


Even if you do not foresee any of these big changes coming up, it is still a good idea to compare rates annually. This gives you a chance to see what other companies are offering and to find out if a better deal is available for you. 

If you would like to learn more about auto insurance or any other insurance products, please contact us at Bryan Insurance Agency LLC, serving New Windsor, NY. We will be happy to answer your insurance questions today. 

Hidden Auto Insurance Facts Revealed

Based in New Windsor, NY, Bryan Insurance Agency, LLC offers community residents multiple insurance policies. We strive to make the process of searching for insurance as smooth as possible for our clients. We proudly serve the community as an independent insurance agency.

Hidden Auto Insurance Facts

As you drive around New Windsor, NY and other parts of the state, auto insurance will protect you. The policy covers you in multiple ways while you are out on the road. You are covered if you are involved in an accident. Liability coverage protects you if you are held responsible for the damages sustained in the accident. Comprehensive coverage protects your vehicle if it is stolen or vandalized. While you research different policies, here is a look at some hidden auto insurance facts.

Having your own policy is more beneficial than simply relying on a group policy. It’s possible that you may have auto insurance through your employer. However, the terms of a group policy are likely more limited than the terms of an individual policy. To have more flexibility, you should research your own individual policy.

If you have special items in your car, you’ll have to add special coverage to protect those items. You’ll also have to add extra coverage if you have any custom parts or accessories installed on your vehicle. This will help you if those items are stolen or vandalized.

In some cases, your car’s ISO rating may have an impact on your policy. Your car’s ISO rating is based on its make, model, safety rating, and a few other factors. This helps determine the risks involved as you drive your car every day.

Bryan Insurance Agency, LLC will Help You Stay Safe On The Road.

Contact our office today to learn more information about auto insurance.  

Common Mistakes Car Owners Do When Shopping For Auto Insurance

Making the right decision on which auto insurance policy to buy is vital for your wallet and peace of mind. Unfortunately, some car owners make a lot of mistakes. Here are a few most common mistakes that you should know about to avoid them in the future. 

Buying Without Preparing

Many people purchase auto insurance on impulse. As a result, they either end up with the wrong coverage or an expensive policy. It is important to take your time, talk to different insurance agents from several companies, and ask all the details about the coverage offered. Make sure to ask what exactly the policy covers, how much is the deductible, and what is the minimum auto insurance requirement in your area.

Choosing High Deductibles

If you are involved in a car accident, there is part of the expenses you will have to pay out of pocket. The amount that you will have to pay is called a deductible. If your deductibles are too high and you are not able to pay them, then your policy will not be operative. A higher deductible means that you will pay less for the insurance itself. However, it is crucial to make sure that you will be able to afford it. 

Getting Just The Minimum Amount of Liability Coverage

It is not surprising that you want to save some money on your car insurance and, therefore, choose the minimum liability coverage required by the state. However, in most cases, the minimum coverage will not cover the damage completely, and you will have to pay for most of the costs yourself. 

If you are currently shopping for auto insurance in New Windsor, NY, and you are afraid to make mistakes, Bryan Insurance Agency, LLC is ready to help and guide you through this complicated process. The mission of our company is to protect you and your belongings and help you to make the right decision. Do not hesitate to call Bryan Insurance Agency, LLC, serving New Windsor, NY, and discuss the available insurance options.