Tuesday, May 14, 2019 15:06
The New York Point and Insurance Reduction Program (PIRP) is the DMV-approved defensive driving (crash prevention) course that can help you drive more safely and unlock two practical benefits: a point reduction for certain DMV calculations and an insurance discount. Below is what PIRP does (and doesn’t do), how it Read More…
Thursday, May 02, 2019 15:01
A peaceful drive can turn into a costly headache when road debris chips or cracks your windshield. In New York, the big question is usually the same: Will insurance pay, and will I owe a deductible? Below is a practical guide to how windshield damage is typically handled under New Read More…
Wednesday, April 10, 2019 14:16
Auto insurance prices can rise even when you’ve been driving carefully—because insurers also react to broader trends like repair costs, medical costs, theft, weather losses, and local crash frequency. The good news is that many carriers offer a good driver (safe driver) discount that can help offset those increases if Read More…
Monday, April 08, 2019 22:30
Young drivers often face the highest car insurance premiums because insurers see more frequent (and sometimes more severe) claims in the teen and early-20s age range. Rates can begin to stabilize with more driving experience, and many families also notice changes as drivers approach their mid-20s (learn more: do rates Read More…
Friday, April 05, 2019 13:11
Animal-related car damage is more common than many drivers expect—especially in New York, where deer, raccoons, and smaller wildlife can appear without warning. The good news: many animal-related losses are insurable, but the coverage type matters. Below is how animal damage typically works on an auto policy, when a deductible Read More…
Thursday, April 04, 2019 13:03
Hitting a pothole can bend a wheel, blow a tire, or knock your alignment out in a split second. Whether your car insurance pays depends less on the road and more on the coverage you chose—especially collision coverage. At a Glance When Pothole Damage Is Covered In most cases, pothole Read More…
Wednesday, April 03, 2019 14:40
In most situations, car insurance follows the vehicle—not the person driving. That means if you borrow someone’s car (with permission) and cause a crash, the vehicle owner’s policy is usually the first one in line to respond. Example: You and friends head upstate for a weekend ski trip. Your friend Read More…
Saturday, February 23, 2019 17:50
Buying (or inheriting) a classic or collector car is part passion project, part investment. The insurance piece matters because a standard auto policy often values cars differently than collector car programs do—especially after a total loss. This guide explains how classic car insurance works, what most collector programs require, and Read More…
Thursday, February 21, 2019 18:24
Will this affect my rates? It’s the most common question drivers ask after an accident, a ticket, or any kind of claim. In most cases, the answer is yes—your driving record (and your overall insurance history) can influence what you pay at renewal and when you shop for a new Read More…
Wednesday, February 20, 2019 16:46
Planning a road trip outside New York? In most cases, your New York auto insurance follows you across state lines—but a few details can affect how a claim is handled (and what paperwork you may need). At a Glance Does New York Car Insurance Cover You Out of State? Generally, Read More…