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. 

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.  

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. 

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.

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.