Tuesday, February 19, 2019 17:21
An auto insurance “lapse” is a gap in liability coverage. In New York, the biggest issue is whether a registered vehicle has continuous New York State auto liability insurance—because the DMV can suspend (or revoke) your registration and, in some cases, your driver license if the vehicle is registered but Read More…
Monday, February 11, 2019 19:35
Choosing between a 6-month and 12-month auto insurance policy usually comes down to how often you want to revisit your price, discounts, and coverage. Both term lengths can include the same core protections (liability, comprehensive, collision, medical payments/PIP, uninsured motorist, and optional endorsements), but the renewal cadence affects how frequently Read More…
Tuesday, February 05, 2019 16:35
Car insurance in New York City is often priced higher than many other parts of the state because insurers file rates based on local claim patterns, repair costs, theft risk, and where your vehicle is garaged. If you want the “why,” start here: why NYC car insurance is so expensive. Read More…
Saturday, February 02, 2019 14:34
Auto insurance pricing in New York isn’t “one-size-fits-all.” Carriers file rates and rating rules that typically use your garaging address (often down to the ZIP code/territory level) to reflect local claim risk—things like traffic density, theft and vandalism rates, repair costs, and how frequently claims occur. If you’re trying to Read More…
Saturday, January 26, 2019 16:37
Most drivers worry about being “dropped” after an accident, a few tickets, or a string of claims. The reality is more nuanced: insurers usually don’t cancel mid-policy unless a specific issue comes up (like nonpayment or application problems). More often, they choose not to renew at the end of the Read More…
Wednesday, January 23, 2019 21:58
New York City has a bigger driving reputation than almost any other U.S. metro: aggressive lane changes, horn symphonies, gridlock, and parking headaches. But “worst city to drive in” depends on what you’re measuring. To judge how tough NYC driving really is, it helps to separate three different topics: At Read More…
Friday, January 18, 2019 16:53
College in New York comes with plenty of expenses—tuition, books, housing, and everyday living costs. If you drive, finding a smart auto insurance setup (not just the lowest price) can make a real difference for college students on a budget. Note: Rates and discounts vary by insurer and by driver. Read More…
Wednesday, January 16, 2019 18:09
Car accidents can create expensive, long-lasting problems—from medical bills and missed work to lawsuits and vehicle repairs. The right auto insurance helps protect your finances when a claim happens. New York sets specific minimum coverage rules to register and keep a vehicle on the road. While some drivers look for Read More…
Monday, January 14, 2019 15:49
An auto insurance claims adjuster is the person (or team) who investigates a claim, reviews your policy, and evaluates damage or injuries so the insurer can decide what it owes. Depending on the situation, you might work with a company (staff) adjuster, an independent adjuster hired by the insurer, or—less Read More…
Friday, January 11, 2019 20:03
In auto insurance, a deductible is the amount you agree to pay out of pocket on a covered claim before your insurer pays the rest (up to your policy limits). The New York State Department of Financial Services (DFS) explains deductibles this way for auto physical damage coverages. This guide Read More…