It is not uncommon for New Windsor, NY, area drivers to contact Bryan Insurance Agency LLC looking for quotes on auto insurance at “state minimum levels.” There are several reasons this may not be the best approach. You may be doing yourself a disservice. Here’s why.

Minimums may not be sufficient.

State minimums are designed to provide bare-bones coverage to provide some protection for drivers. This is the lowest acceptable level of coverage for people to drive legally.

If you have better-than-average assets, minimal coverage may not be enough to provide the protection you deserve.

There are better ways to save than reducing your coverage.

You can increase your deductibles and do more comparison shopping to get better rates on your car insurance. Stripping important coverage or lowering limits to minimums may prove to be counterproductive.

Minimum coverage is not always the best “deal."

You can often add protection or increase coverage limits at very affordable rates. If you settle for minimums, you may be missing out on some valuable and affordable protection.

Comparing apples to apples.

Many consumers will compare rates at state minimum levels because it allows them to make an apples-to-apples comparison. That’s fine. But you can also compare quotes at higher levels. You may find improved coverage at the same or a better price when you compare.

Include us in your search.

Rather than searching for state minimum coverage, it may be best to seek maximum coverage at the best price. We can help. Contact us at Bryan Insurance Agency LLC of New Windsor, NY.

Let’s discuss your coverage and your options. We can provide a state minimum quote and show you how a few dollars more can make a significant positive difference.

The primary purpose of auto insurance is to protect drivers on the road. However, many car owners still take the huge and unnecessary risk of driving without insurance. If you are also one of those who decided to skip auto insurance, be prepared to face the following risks:

• Legal risks. Most states in the US, including the state of New York, require you to have the minimum auto insurance. That means that driving without any auto insurance is illegal and can cause certain legal consequences. 
• Financial risks. Accidents happen every day, some of which you cannot prevent, even if you are a good and careful driver. Accidents often lead to serious property damage and high medical bills. If you do not have auto insurance, you will have to cover them yourself. 
• There are risks in dealing with an uninsured motorist. Unfortunately, there are many uninsured motorists. If you are involved in an accident with one of them, you may be left with bills that you have to cover out of pocket, even if you are not the one who caused the accident. 

These are only a few risks that you may face if you decide to get behind the wheel without insurance. As you can see, it is not worth it. Therefore, as a responsible driver, make sure to carry proper car insurance. Do you reside in New Windsor, NY, or any other nearby town and need help choosing the right policy? We at Bryan Insurance Agency LLC are ready to assist you. Experienced insurance agents at Bryan Insurance Agency LLC will answer all your questions and help you find the best policy. Give us a call today to be covered tomorrow. 

The primary purpose of auto insurance is to protect drivers on the road. However, many car owners still take the huge and unnecessary risk of driving without insurance. If you are also one of those who decided to skip auto insurance, be prepared to face the following risks:

• Legal risks. Most states in the US, including the state of New York, require you to have the minimum auto insurance. That means that driving without any auto insurance is illegal and can cause certain legal consequences. 
• Financial risks. Accidents happen every day, some of which you cannot prevent, even if you are a good and careful driver. Accidents often lead to serious property damage and high medical bills. If you do not have auto insurance, you will have to cover them yourself. 
• There are risks in dealing with an uninsured motorist. Unfortunately, there are many uninsured motorists. If you are involved in an accident with one of them, you may be left with bills that you have to cover out of pocket, even if you are not the one who caused the accident. 

These are only a few risks that you may face if you decide to get behind the wheel without insurance. As you can see, it is not worth it. Therefore, as a responsible driver, make sure to carry proper car insurance. Do you reside in New Windsor, NY, or any other nearby town and need help choosing the right policy? We at Bryan Insurance Agency LLC are ready to assist you. Experienced insurance agents at Bryan Insurance Agency LLC will answer all your questions and help you find the best policy. Give us a call today to be covered tomorrow. 

Basic auto insurance is what is required by the state of New York to drive legally. It is up to the driver and their insurance agent to make sure they have what they need. Our independent insurance agents at Bryan Insurance Agency LLC in New Windsor, NY, will ensure that you have what is required and what you personally need. 

Basic insurance in New York

Basic auto insurance in New York is liability coverage. It protects other drivers from you. What you must have is 25/50/10. This is $25,000 for one injured person in a single accident, $50,000 for all the injuries in an accident, and $10,000 for property damage. As you can see, these are very minimal figures. If injuries are severe and the vehicle damage is serious, you could find yourself very short of adequate coverage. 

Auto loan or lease?

If you have a vehicle loan or are leasing, you cannot get away with basic auto insurance. You will have to protect the vehicle, not just other drivers. That means having collision and comprehensive coverage. 

Need your vehicle daily?

If you are like most people and count on your vehicle to get to your job, run errands, and get around daily, protecting others and not your vehicle isn’t truly an option. You need to ensure that your vehicle will be repaired or replaced if you have an accident, and you are responsible. This means having collision and comprehensive with a reasonable deductible and maybe full glass coverage and maybe gap coverage as well. 

Contact our Bryan Insurance Agency LLC office in New Windsor, NY, to discuss your auto insurance today. We will make sure you are legal and well covered. 

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.

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.

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.

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.