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.
Road trips can be the ultimate vacation experience… as long as that experience doesn’t leave you stranded on the side of the road, far from your home near Rochester, NY. By taking some time to make sure your care is safe before you head out on your road trip, you can travel with peace of mind and a lower likelihood you’ll be stricken with car trouble along the way. At Bajorek Agency Inc, we’ve put together a list of things you can do to check over your car before your next road trip.
Fill ‘er Up
This doesn’t mean just the gas tank, either. Check your vehicle’s levels, including windshield washer fluid, oil, and tire pressure. Make sure everything is filled up before you hit the road.
Create an Emergency Kit
A car emergency kit might include flares, jumper cables, a warm blanket, a flashlight, and a well-stocked first aid kit. If you are traveling with kids or babies, be sure to include extra snacks, diapers, and formula. For people who are ahead of the game and already have an emergency kit, check to make sure it’s stocked and nothing is expired.
Get an Inspection
It doesn’t hurt to have a mechanic check over your car, particularly if you are nearing your Rochester, NY inspection date. A mechanic might notice things that need to be fixed before you hit the road.
Before you embark on your road trip, these simple steps will help your car be in tip-top shape, and of course, don’t forget about car insurance as well. If something does happen to your car while you’re on the road and you get into an accident, you’ll definitely need to pull out your insurance papers. Give us a call at Bajorek Agency Inc today if you have questions about auto insurance or would like to purchase a policy.
Whether you drive your classic car all the time or just once in a while, you’ll need classic car insurance. If you think this is part of your standard auto policy, think again. A classic car is an entirely different breed, according to Bajorek Agency Inc., and comes with its own insurance policy tailored to your needs. Some custom areas of your policy can include:
- your choice of the repair shop (not every mechanic is skilled to work on classic cars)
- roadside assistance
- flatbed towing
- coverage for spare parts
- Lost key return
- Emergency lockout assistance
- and more
Benefits of Classic Car Insurance
Unlike a standard automobile, classic cars appreciate rather than depreciate. When you insure your classic car with the right insurance policy, you are protecting this valuable investment. You’ll secure a policy that covers theft, fire, damage, and more. If anything were to happen to your classic car, you could simply submit a claim to cover it. Without the proper insurance policy, however, you’re left paying for the bill out of pocket. You’ll also have peace of mind knowing that your prized possession is protected no matter what happens. And while your classic car can never really be replaced, if it were stolen or damaged beyond repair, you will receive the cash value for the vehicle and then be able to purchase a new one. Doesn’t it make sense to secure a classic car insurance policy in Rochester, NY today?
To learn more about securing a classic car insurance policy in Rochester, NY, contact the reputable team at Bajorek Agency Inc., serving the New York area. Our friendly agents are available right now to take your call and tailor a classic car insurance policy to suit your particular needs.
Keep in mind that not every state treats car insurance the same, with some having stricter mandates. In New York, drivers are legally required to carry active auto insurance with minimum liability coverage for property damage and bodily injury.
Bodily Injury Liability
Bodily injury liability, along with any other type of liability coverage, is imperative because it protects you and anyone else listed on your insurance policy from potential monetary loss due to being sued because of an accident. It is essential to have enough liability to cover the sum of your assets so that in the event you are sued for a substantial sum of money, your net worth and assets are protected.
It helps pay for the treatment of injuries to yourself and any occupants of your vehicle if an accident occurs. It can cover lost wages from not working, medical payments, and funeral costs if necessary.
Property Damage Liability
Pays for damage that you or an unauthorized driver cause to another person’s property, such as hitting another vehicle or a fence or other piece of property.
Pays for damage to your vehicle – minus your deductible – caused by a collision with another vehicle or object such as a tree or telephone pole.
Pays for damage to your vehicle – minus your deductible – due to theft or damage caused by something other than an accident like hitting a deer or storm damage.
If you or a member of your family is involved in an accident with a driver that does not have insurance or in a hit and run, then this type of coverage helps reimburse for any damage to your vehicle.
When it comes time to shop for your next auto insurance policy, give the team at Bajorek Agency Inc. in Rochester, NY a call.