Monday, December 09, 2019 13:12
Staying with the same car insurance company can sometimes lead to discounts or other customer benefits, but a loyalty discount is not automatic in New York. In fact, many insurers do not offer a specific discount simply because you have remained with them for several years. Instead, insurers may offer Read More…
Saturday, December 07, 2019 14:39
Telematics, also called usage-based insurance (UBI), lets an insurer use driving data to help determine a discount or other premium adjustment. In New York, some insurers offer telematics programs that track factors such as mileage, braking, acceleration, time of day, speed, or phone use. These programs can be one option Read More…
Thursday, November 28, 2019 12:51
One of the simplest ways to save money on car insurance is to review the billing and payment discounts your insurer offers. An autopay discount is a common option: you authorize your insurance company to automatically withdraw your premium from a bank account, debit card, or credit card on a Read More…
Friday, November 22, 2019 13:31
If you fall asleep at the wheel and cause an accident, your car insurance will usually still respond, assuming the policy was active, the claim is covered, and you cooperate with the insurer’s investigation. Falling asleep is typically treated as negligence, not as an automatic reason for a car insurance Read More…
Monday, October 14, 2019 7:36
Natural disasters can damage a vehicle in minutes. Floodwater can destroy electronics, hail can dent body panels, wind can send debris into glass, and fire or smoke can make a car unsafe to drive. The important insurance question is not whether the storm was severe; it is whether your policy Read More…
Sunday, October 13, 2019 4:22
A hit-and-run can leave you with vehicle damage, medical bills, missed work, and very little information about the driver who caused the crash. In New York, your own policy may still help, but the coverage that applies depends on what was damaged, whether anyone was hurt, and which optional coverages Read More…
Thursday, October 10, 2019 5:49
Accidental death and dismemberment insurance, often shortened to AD&D insurance, is a supplemental type of insurance that pays a cash benefit after a covered accidental death or certain severe accident-related injuries. It is commonly offered through workplace benefits, sold as a rider on a life insurance policy, or packaged with Read More…
Wednesday, October 09, 2019 3:19
New York’s required auto insurance is a starting point, not a full protection plan. As of 2026, most private passenger vehicles must carry at least $25,000/$50,000 in bodily injury liability, $50,000/$100,000 for fatal-accident liability, $10,000 in property damage liability, $50,000 in no-fault Personal Injury Protection (PIP), and $25,000/$50,000 in uninsured Read More…
Friday, August 23, 2019 13:58
The New York DMV lists the state minimum for property damage liability at $10,000 per crash, and the New York Department of Financial Services explains that no-fault does not pay to repair your car or the other driver’s car. That means a parked-car claim can still leave you paying the Read More…
Thursday, August 22, 2019 14:33
If you work for New York State, you may be able to save on auto insurance—but usually not through one automatic statewide discount. As of 2026, the more realistic paths are employer or union affinity programs, payroll-deduction arrangements, and the standard New York discounts that apply to any eligible driver. Read More…