Auto Insurance in New York
Whether you've got a top-of-the-line 2019 sports car or an old used sedan, most people can't afford to replace a car out of pocket after an accident. Thankfully, having a good New Windsor, NY auto insurance policy from Bryan Insurance Agency, LLC means you don't have to worry about that.
A Legal Obligation
There are a lot of good reasons to invest in auto insurance, but the biggest reason you need to get insurance is to meet legal requirements. There are only a few states—not including New York—where you aren't required to have a minimum of liability auto insurance. This is because somebody needs to pay for the damage when you're found at fault for an accident, so simply not having auto insurance in those events isn't an option.
Full Coverage or Liability?
While there are a lot of types of New Windsor, NY auto insurance policies you can choose between, the biggest thing you need to focus on is whether you want full coverage or liability coverage. With liability coverage, you don't have to worry about paying for property damage and bodily injuries to the other party involved in an accident when you're found at fault. Since you're not being reimbursed for your own bills, you don't have to pay as high of a monthly premium. Full coverage pays for everything, including damages to your vehicle. What this means is that you get the cash you need to get yourself a new set of wheels when your car is totaled in an accident. However, having full coverage means you have to pay a little bit more for your monthly premium.
Whether you're trying to meet legal requirements or make sure you aren't stranded after an accident, auto insurance is a great way to do that. If you're looking for a good New York auto insurance policy, you can start by getting a free quote from Bryan Insurance Agency, LLC online today.