All About Car Insurance

Car insurance isn't a really difficult matter once you understand some basic principles and fundamentals.  It can be mandatory in numerous states such as New York. There are actually various legal guidelines controlling the NY automobile insurance marketplace.  It can be among your household's greatest expenditures.  It is focused on having to pay money in case of unanticipated damages or injuries to you or your vehicle.

How Come No One Uses Snow Tires?

One of the smartest things anyone can do is invest a little money in snow tires. Most people have gotten either lazy or too cheap to buy and use snow tires in the winter, claiming their "all season radials" will do the trick. Well they won't.
Snow tires have tread patterns specifically designed to dig down and bite into snow, and they're made from softer rubber that retains flexibility in cold weather. This allows the tire to better conform to the surface of the road. This is why snow tires keep a better grip on snowy and slushy surfaces than regular all season radials. Modern automobile safety technologies like antilock brakes, electronic stability or traction control, and all wheel drive cannot do their jobs if the tires can't maintain their grip on the road surface.
So for better automobile safety and to prevent potential insurance claims, spend a few extra dollars on safety and get snow tires for the winter.

New Car Purchase And Insurance

One way to avoid sticker shock or buyer’s remorse when purchasing a new car is to consider expenses you may encounter down the road.
For instance, experts say that while most people anticipate the purchase price, taxes and registration fees associated with a vehicle, many forget that the insurance they need to protect their vehicle could come with a hefty price tag. Fortunately, there are ways to keep insurance costs down while maintaining the type and amount of coverage a new car typically requires.
To help consumers control car costs—from sticker price to insurance premiums—The Progressive Group of Insurance Companies offers these tips:

New Car Safety Features Save Lives and Money

Statistics show that you are more far more likely to be in a car crash than to be hit by lightning or be the victim of a crime. Alas, you are also more likely to get into a car accident than win the lottery.  Just ask your local Walden NY insurance agent.

Given that the risk may be as high as 1 in 4 according to some estimate for being involved in such an unfortunate event, it makes sense to take all reasonable measures lower your risk. These measures can include both HOW you drive, e.g., defensive driving, not drinking and driving, and WHAT you drive, e.g., choosing a safer car.

7 Ways to Lower Premiums for Your Commercial Vehicles

A comprehensive insurance policy for your commercial vehicle or fleet is a necessary cost of doing business in a responsible fashion. If your cars or trucks are out of commission, that can mean lost business and thus lost profits. 
Furthermore, as any Poughkeepsie NY insurance agent will tell you, it is a requirement in New York State, as in most states, so it is critical to have this policy in place. Keep in mind that your personal car insurance excludes commercial use of your vehicle or your employees’ vehicles.

How Safe Are Your Current Door Locks? Four Keys to Home Safety

In the time it takes you to read this paragraph, another burglary will have occurred. What makes burglary so common? Surprisingly, burglars march right through a door because it is easier. Even those residents who remember to lock their doors often have inadequate locks that invite intruders, as Middletown NY insurance agents and brokers can tell you. 

Fortunately there are several options that can do a better job keeping burglars out and your stuff inside! Even if your home is fairly new, you may need to upgrade your locks for optimal safety and security.