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287 Windsor Hwy, Suite 350
New Windsor, NY 12553

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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. 

Annually

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. 

Understanding Auto Insurance in New York

Auto insurance for vehicle owners and drivers is mandatory in the state of New York. More specifically, liability coverage as part of auto insurance is required. If this coverage is not maintained, the DMV can suspend your vehicle registration. The other serious consequence of having adequate insurance coverage is having to pay large amounts of bills due to vehicle accidents or repair. Even if you don’t use the vehicle, as long as your vehicle’s registration is valid, you need to maintain an auto insurance policy.

Another requirement is that you need to acquire your insurance policy from a registered company licensed by the New York State Department of Financial Services and certified by the New York State DMV. Any out of state insurance is not going to be acceptable. There can be one or two names on the vehicle registration. The insurance policy must be on the same name as the vehicle registration and the documents to prove insurance should be available in the vehicle at all times. In case you have insurance, but your car is not registered, you have 180 days from the effective date on your insurance ID card.

The state of New York requires you to have a certain minimum limit for property damage, bodily injuries, and death. Your local insurance agent should be able to guide you to a policy that meets these requirements. It is highly recommended that you get in touch with a registered and reputed insurance agency to get your insurance policy. Bryan Insurance Agency, LLC, serving New Windsor, NY, is one such agency that can guide you on choosing the best-personalized insurance policy for you. You can find all the contact information on our website. The agents at Bryan Insurance Agency, LLC, serving New Windsor, NY, are ready to help you get a quote and find you a policy.

5 Tips to Winterize Your Car

When the weather drops to freezing temperatures, it is crucial to winterize your vehicle to ensure that you minimize the risk of anything wrong happening. When you need assistance with any of your insurance needs, contact Bryan Insurance Agency, LLC with your questions.

1. Consider Snow Tires

Although snow tires are an additional expense, they can create more stable and safe driving conditions. Since snow tires can lead to decreased MPG, you should only put on snow tires during the harshest winter months.

2. Check Your Fluids

Whether it be your oil, antifreeze, or windshield washer fluid, all levels must be completely topped off. While this should already be a component of the routine maintenance done on your vehicle, it is even more important in the winter when car problems can mean getting stranded.

3. Flush the Heater

To prepare for the colder weather, take your car to a trusted mechanic in New Windsor, NY to have the heater flushed, which refers to the cleaning of the heater core tubes. Flushing the heater allows it to operate more efficiently and provide hotter air sooner on cold days. 

4. Pack an Emergency Kit

If there is even the smallest chance that you will be stranded, you’ll want to be prepared. Leave a survival bag in your vehicle that includes items like first aid supplies, a charger for your phone, flashlights, blankets, and snacks for an overnight on the highway.

5. Check Your Tire Tread

If you are not planning to put winter tires on your car, then make sure that the tires have plenty of tread on them because this helps ensure stability and traction on icy roads.

When it comes to your auto needs, don’t trust your insurance with just anyone. Visit Bryan Insurance Agency, LLC serving New Windsor, NY, and let us help you.