Monthly 4 Point Safety Check

To ensure you're driving a safe vehicle, take a few minutes to conduct this monthly Four-Point Safety Check. Your car and your safety may be riding on it!

Earthquake Insurance!

I must say, I never though I would be talking about earthquake insurance here in New York, until now. Do you have earthquake coverage on your home? Probably not. Can you get it here in New York? Maybe.

Earthquake insurance is a kind of property insurance in NY which handles destruction brought on by  earthquakes .  Earthquake premiums are determined in different ways by each NY based insurance company and can vary extensively based on a number of factors.  Earthquake insurance covers damage caused when the earth shakes or cracks, also known as ground movement.

Car Pooling

Environmental considerations, traffic congestion, convenience, need to reduce driver stress, inadequate public transportation, absence or cost of parking are all aspects that contribute to commuters developing motorist organizations or car pools. Parents use such measures to transport kids to school, sporting activities and extracurricular activities. It's also typical for students owning a motor vehicle to carry classmates back and forth between home and school.

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.

Should Golf Carts Have Seatbelts?

Golf-cart accidents rarely cause serious injury or death, but after a recent accident that killed a woman in Hilton Head SC; law enforcement officials, cart dealers and customers are thinking more about safety.

Image via Wikipedia

Now granted, most accidental golf-cart related deaths involve either alcohol consumption and or not holding on and sitting properly, but that is the nature of a golf cart and that is why they do not go that fast either. With that being said, there is still cause for concern because golf carts are not designed for a smooth jarring free ride. Some people just get thrown out of them when they hit a large bump or make sharp turns. Getting thrown from a moving vehicle at any speed can result in death or serious injury.

Preventing Motorcycle Theft

Motorcycles are stolen at a higher rate than cars. The obvious reason being that it is much easier to steal a motorcycle than a car, but with the values of today's new bikes now starting to catch up to some cars; the incentive to steal a motorcycle is much greater for thieves. Did you know that the majority of stolen motorcycles are never recovered? These are all major factors as to why NY motorcycle insurance rates are steadily increasing as well.

Lets talk about simple but effective ways to prevent motorcycle theft. Some are pretty obvious, some not so much.

Purchasing A Pre-Owned Off Road Vehicle

If you don't know much about off road vehicles yet and you want to start by purchasing a used model, you may be overwhelmed by your choices. There are many factors involved in finding and buying an off road vehicle.

First you need to decide what kind of ATV you are looking for. There are many different brands and kinds of off road vehicles. If you know what you want before you start looking, your search will be much easier.

Off Road Vehicle Safety

Off roading is one of those rare fun things you can do year round in NY. Recreational use of off-road vehicles has gained widespread popularity during the past several years. People ride to sight see, to socialize, to compete, or just to get out of the house. It has become quite popular now. Lets talk about some safety tips.

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.

No Slip-Sliding Away: How To Stay On The Road

One thing is easy to foretell: Unpredictable weather can cause reduced visibility and hazardous driving conditions that make it challenging for even the most experienced drivers. Fortunately, there are ways to protect yourself, your passengers and your car.

The following tips can help you stay safe when faced with treacherous roads:

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:

Check Out This AAA Video Regarding Road Rage

Online NY State Defensive Driving Classes

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.

Tips To Ensure Your ATV Is Insured Properly

When it comes to your all-terrain vehicle (ATV), it pays to keep your feet on the ground especially when you're thinking about insuring it. You may think it’s covered by your homeowners policy, but are you really protected? Your “toy” wasn’t cheap, and lacking the right type of insurance coverage could lead to a sticky financial situation.
“Owners should think of ATVs the same way they think of motorcycles,” said Rick Stern, product manager, The Progressive Group of Insurance Companies. “You’d never consider getting on a motorcycle without the proper insurance, and you shouldn’t ride an ATV without the right coverage either.”

Tips to Secure and Insure College Dorm Stuff

The first time my friend dropped by his son’s dorm room, he was amazed at how many gadgets he and his roommate had managed to stuff in a tiny space! In addition to the necessary clothes and books, it was crammed with electronics: laptops, iPods, cell phones, printers, stereos, an electric guitar and amp, television, refrigerator, microwave oven, and one very nice bicycle. Figuring out the value per cubic foot boggled the mind! 

The only thing more surprising than the sheer value of the personal goods that kids take to college today is the frequency of theft, as your local NY insurance agent can warn you. In many dorms, the norm is to leave the room door unlocked or even open to encourage drop-ins. This creates significant security risks. In fact, dorm rooms turn up on the list of the top five most popular places for laptop theft. Also, given the portability, students drag their laptops to cafes, libraries, and other unsecured places.