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3462 Monroe Ave
Pittsford, NY 14534

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Can I Get Classic Car Insurance if My Car Is Not In Perfect Condition?

Classic cars usually have a problem or two because of their old age. If you own a classic car that’s not in perfect condition in Rochester, NY, you must wonder whether it’s possible to get classic car insurance. Yes, you can buy classic car insurance if your vehicle is not in perfect condition but here is also what you should expect.  

Classic Car Insurance: Getting the Best Coverage

1. The Existing Problems Won’t Be Covered

Auto insurance is supposed to protect you and your vehicle against unpredictable risks. However, since the existing issues with your classic car are already there. They will be excluded from coverage, and so will the other problems that may arise later because of the existing issues with your vehicle.

2. Higher Insurance Rates

If your classic car is not in perfect condition, the auto insurance provider will see it as a high-risk asset and charge you higher insurance rates. This is because a vehicle not in excellent working condition is more likely to cause an accident that will result in more significant injury to persons and property damage. 

How To Lower The Cost of Classic Cars?  

Bajorek Agency Inc can help you opt for non-owner classic car insurance, which only covers against bodily injury and property damage to other cars and has no auto attached. If your classic car is not running, we recommend that you purchase a parked classic car insurance policy, also known as "storage insurance." It can bring down your premiums by up to 80%. 

Give Us A Call

Are you in the greater Rochester, NY community and looking for more info on classic car insurance? Contact us at Bajorek Agency Inc, and we will answer all your questions.

Is Motorcycle Insurance Required in New York?

If you own and operate a motorcycle in New York, you are required to have minimum liability coverage that meets the following standards:

  • Bodily Injury Liability: $25,000 Person / $50,000 Accident
  • Death Liability: $50,000 Person / $100,000 Accident
  • Property Damage Liability: $10,000

It is important to remember that these are only the minimum requirements to avoid violating New York law. Most motorcyclists will want to opt for additional coverage to ensure adequate coverage should they be involved in an at-fault accident that injures or damages another person or their property. Additionally, unlike auto insurance policies that require personal injury protection or uninsured/underinsured motorist coverage, motorcyclists do not; however, you should still strongly consider these add-ons. 

To operate a motorcycle in New York, you must have either a Class M/MJ Operator’s License or a Learner’s Permit. After passing a written exam at the DMV, the learner’s permit can be granted. Still, you cannot operate the motorcycle without being supervised by a person with a valid motorcycle license that is no more than 1/4 mile from you. To graduate from a learner’s permit to a license, you’ll be required to complete a road test with a Motorcycle Safety Foundation certified instructor. Suppose you have both a valid driver’s license and motorcycle permit. In that case, you can receive a waiver to complete the road test if you complete a certified educational training course approved by New York law.

For more information on motorcycle insurance or help in purchasing a policy, reach out to the friendly and professional team at Bajorek Agency Inc in Rochester, NY. We’re happy to schedule a no-obligation consultation to discuss our products and how we can help you with your motorcycle insurance needs. 

Is There a Best Age for Buying Life Insurance?

There’s no one-size-fits-all answer to this question, as the best time to buy life insurance depends on your unique circumstances. However, there are a few things to keep in mind when deciding when to purchase a policy.

1. Deciding to Have a Child

If you plan on starting a family, one of the best times to purchase life insurance is before the baby arrives. Because children are so reliant on their parents, it’s important to buy enough coverage so that your loved ones can maintain their quality of life if something happens to you.

2. After Paying Off Debt

Another way to think about when you should buy life insurance is in terms of your financial situation. For example, if you’ve recently paid off a lot of debt, such as student loans or credit cards, it might be worth considering buying a policy before you rack up more bills. The less debt you have, the better your chances of qualifying for a policy and receiving a lower rate.

3. As Soon as You Get Married

As soon as you get married, it’s a good idea to consider buying life insurance. With a spouse and family to support, your loved ones would be in trouble if something were to happen to you suddenly. So even though the thought of having life insurance might not be very romantic, taking out a policy after getting married is one of the most responsible things you can do.

4. When You Have Dependents Relying on Your Income

If you have a spouse or children who rely on your income, it’s never too early to consider buying life insurance. If you pass away unexpectedly, your dependents would be left without the means to live comfortably and sustain their lifestyle.

Looking For Life Insurance in Rochester, NY?

The best time to buy life insurance depends on your situation. However, you can make a more informed decision about purchasing coverage by thinking about your family and financial situation. At Bajorek Agency Inc., we can help you find the best life insurance for your unique situation. Call us today to learn more.

Teen Driver? Your Guide to Auto Insurance

Teens in Rochester, NY look forward to the day they can get behind the wheel for the first time after receiving their very own driver’s license. Parents, however, might be a little anxious about this day. This can be for numerous reasons, including needing to secure auto insurance for their teen. Bajorek Agency Inc wants to make this process easy for parents and teens, so here is a brief guide to auto insurance for teens.

Does Your Teen Need Their Own Auto Insurance Policy?

Everyone is aware of the fact that it will cause a significant spike in your insurance premiums when a teenager starts driving. These costs tend to be higher if you allow your teen to have their own individual policy. 

When an individual is added to an existing auto insurance policy, the insurer will take into account that person’s age, driving history, and a variety of other factors that determine your premium. Unfortunately, for teen drivers, most of these considered factors are not available, which makes them a higher risk liability. 

Is It Costly to Insure a Teen Driver?

The good news is these higher rates don’t last forever, as your teen develops a driving history and gets older. Plus, you can get discounts on your policy when your teen maintains good grades or takes a driver’s education course. 

How Do You Add Your Teen to Your Current Policy?

You will want to contact your insurance company ahead of your teen receiving their driver’s license. This allows you to learn more about potential discounts and obtain a quote so you can begin to budget accordingly. 

When your teen receives their official driver’s license, speak to your insurance agent to update your insurance policy. 

If you are looking to update your auto insurance policy in Rochester, NY to add a teen driver, contact Bajorek Agency Inc for assistance. 

Do You Need Insurance For Your Mobile Home?

When you buy a home, you are required to get homeowners insurance. However, with a mobile home, you may not need to. You may go back and forth, trying to decide what you should do. 

Here are many reasons why you may want to consider getting insurance. 

If you have a mortgage, you are probably going to have to get some. Most loan companies require insurance to protect their investment. They want to make sure that your mobile home is going to be protected while you are still paying for it. Once it is paid off, you may consider canceling your plan if you decide that you want to. 

You can’t afford to replace it. Insurance is there to protect you and give you peace of mind. If something happens to your mobile home, are you going to be able to afford to fix it? If not, you will want to have insurance to fix it for you. Otherwise, you may not have many options if something happens. 

So, what is covered with mobile home insurance? 

Mobile home insurance is just like homeowners insurance. It covers both physical damage to your home, as well as any structures that surround it. This could be a deck or even a shed in your backyard. 

It will also cover any liability. This will protect you if someone is hurt while they are visiting you. It will cover medical bills and any legal fees that you may face if you get sued. 

In order to make the right decision for your home, it is important to talk to a professional. Don’t hesitate to contact us at Bajorek Agency Inc in Rochester, NY. 

Is Classic Car Insurance Mandatory?

Suppose you own a 1964 Pontiac GTO or a 1967 Chevrolet Camaro. In that case, you might wonder whether you need car insurance from Bajorek Agency Inc. After all, your classic vehicle isn’t a daily drive. The reality is that your antique car is required to have car insurance just like other vehicles. Your collector’s car poses risks to other road users like other standard cars, and that’s why you are required to purchase classic car insurance.

Mandatory car insurance coverages in New York

If you own a car in Rochester, NY, or other parts of New York, you must include the below coverages in your car insurance.

  • Property damage liability: This coverage covers you when you cause an accident, causing property damage to other people.
  • Bodily injury liability: Assume you cause an accident that injures a pedestrian or another motorist. You will be responsible for their medical costs. Thankfully, you don’t have to incur this from your pocket since car insurance takes care of it.
  • Property injury protection (PIP): This insurance policy compensates you for partial loss of income and pays for your medical expenses following a road accident.

New York is a no-fault state, meaning that your insurance policy is responsible for your injuries and damages. Simply said, regardless of who caused the accident, everyone claims compensation from their insurance.

Optional classic car insurance coverages

While you are required to include the above coverages in your classic car insurance, you may opt for optional classic car insurance coverages for well-rounded protection of your vintage car. Here are optional classic car insurance coverages to consider.

  • Comprehensive and collision coverages
  • Roadside assistance
  • Uninsured/underinsured motorist coverage
  • Spare parts coverage
  • Cherished salvage coverage

Would you like to protect your heritage with classic car insurance? If you are in Rochester, NY and its environs, please contact Bajorek Agency Inc. for an affordable quote.

What Are Different Types of Motorcycle Insurance?

Owning a motorcycle comes with a lot of fun. However, it is also associated with risks and dangers. Therefore, if you are thinking of getting a motorcycle, you should not forget about purchasing motorcycle insurance, the purpose of which is to protect you on the road and provide you with proper coverage if an accident occurs. There are several types of motorcycle coverage, and here is a brief review of a few of them: 

Motorcycle Coverages

Most motorcycle insurance policies include collision coverage, comprehensive coverage, and liability coverage. Let’s discuss each of them:

  • Collision coverage. Collision coverage is the type of coverage that covers damage to your motorcycle caused by a collision with another vehicle or object. 
  • Comprehensive coverage. This coverage, that is sometimes called "other than collision", covers a motorcycle if it was stolen or damaged by an animal.
  • Medical payments coverage. This type of coverage handles medical costs that are incurred by either your or other passengers who are injured in a road accident. 
  • Roadside assistance. It is not a mandatory type of coverage, but it is worth having it because it provides roadside assistance in the event of a breakdown. Without this coverage, on-site towing and labor can be quite expensive. 

Bajorek Agency Inc. serving clients in Rochester, NY – Get Proper Protection For You and Your Vehicle

If you are a lucky motorcycle owner living in Rochester, NY or any other nearby town, you should purchase proper motorcycle insurance before hitting the road. At Bajorek Agency Inc, experienced insurance agents will answer your questions about different types of motorcycle insurance and coverage and will help you choose a policy addressing your needs and requirements. Feel free to check the agency’s website or call to receive all the information you need. 

Term Life Insurance Explained to Help You Make a Choice

Are you interested in life insurance but don’t know the difference between term life and whole life? You aren’t alone. Thankfully, we at Bajorek Agency Inc can help Rochester, NY residents understand their term life insurance policies and how they help them.

The Nature of Term life Insurance 

Term life insurance refers to a set policy for a specific number of years or a term. For example, you may get a policy for 15-20 years that helps to cover your expenses if you pass away. However, if you did not upgrade your insurance before it lapses, and you pass away after the term is over, you do not get paid. This limitation may make term policies seem unappealing in many ways. 

However, term policies do have benefits worth considering. First, they are often easier to get than many whole life insurance policies. And they often have lower premiums as well. Most importantly, people who may have health issues or other complications may find that a term policy is a good choice because they may only have a limited number of years left before they may pass. 

Typically, there are many levels of term life insurance, including level premium, annual renewable policies, guaranteed or simplified, and convertible policies. The options available to you will vary based on your health, the money you can spend on a policy, and more. In this way, it is critical to stay in touch with your provider to learn more. 

Don’t Neglect Your Coverage 

Please reach out to us at Bajorek Agency Inc if you live in the Rochester, NY, area and need insurance. We’ll do what we can to help you and provide you with a coverage option that makes sense for your needs as a person.

How Driving Habits Affect Car Insurance Choices

Your driving habits have a significant influence on the type of auto insurance policy you should purchase. Additionally, your driving habits can affect your Rochester, NY insurance premiums. Continue reading to learn more about how your driving habits affect your insurance choices. Then give the experts at Bajorek Agency Inc to discuss your options and which ones are best for your driving habits. 

How Much Auto Insurance Should I Purchase? 

First things first. You must purchase the required amount of auto insurance set forth by New York state laws. The amount of insurance needed for the state includes purchasing liability coverage, including bodily injury, and coverage to pay for damage to vehicles involved in a crash. The second thing you must consider is how old your vehicle is. The newer your car is, the more coverage you may want to purchase. Finally, you might want to consider how much money you have to pay for repair and expenses in the event of an accident. If you cannot pay for repairs in one lump sum, you may want to purchase a policy with a lower deductible and provide more coverage.

How Do My Driving Habits Affect How Much I Should Purchase? 

If you practice safe driving habits, such as following speed limits and being a defensive driver, you may be able to purchase less insurance coverage. However, if you are a more aggressive driver, have been in a lot of accidents, or have many tickets, you may want to purchase more coverage. Additionally, if you drive infrequently or are the only person driving your vehicle, you might be able to decrease your insurance coverage. 

You may want to consider increasing your insurance coverage if you drive a lot and in high-risk areas where you are more likely to get in an accident or have your car stolen.

Drivers in Rochester, NY should evaluate their driving habits and then call Bajorek Agency Inc to discuss auto insurance options. 

How To Compare Small Business Insurance Quotes

As a business owner in Rochester, NY you realize how important it is to have the right commercial insurance coverage. But, the process of making sure you’re properly insured can seem overwhelming and confusing.

Follow these 4 helpful tips on how to compare small business insurance quotes.

  1. First, find a reputable commercial insurance carrier. Don’t trust just anyone with your company’s insurance. The reliable and knowledgeable small business insurance agents at Bajorek Agency Inc. are ready and able to help.
  2. Look at more than just the rates. If the rates are super low, there is probably a reason that you don’t want to find out after a catastrophe hits. If the policy costs a lot less than competitors, there may be a hidden and unpleasant secret as to why. Your agent can talk to you about getting the coverage you need while lowering costs by bundling policies, choosing higher deductibles, or paying annually instead of monthly.
  3. The purpose of insurance is to make sure you are covered for financial loss. Make sure you know exactly what is covered and what is not so there are no unpleasant, disastrous surprises awaiting you.
  4. Understand policy terms, deductibles, and limits. If you don’t work in the insurance industry, the terminology can seem daunting. Make sure you understand what each of the terms means. For instance, did you know there are two types of limits? One is per occurrence, and the other is aggregate. Per occurrence is the highest amount the insurance pays per claim. While, the aggregate is the total amount paid within a period, usually a year, for all of your claims combined.

Let Bajorek Agency Inc. serving Rochester, NY help walk you through your commercial insurance needs to make sure your business is covered.

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