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3462 Monroe Ave
Pittsford, NY 14534

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What is the value of having an auto insurance plan in New York?

When you are a resident of the Rochester, NY area, you will quickly find that it makes a lot of sense to own your own car. When looking to buy a vehicle in this area, you also need the right insurance. A full auto insurance plan offers various forms of value, making it a significant investment and policy selection. 

Ensure the Vehicle is Covered

A reason that you will want this insurance is so you know that your car is protected. Any vehicle today can take a major investment to acquire. If you are properly insured, you will be protecting this investment. This can help ensure you have proper support to repair or replace the vehicle if it is damaged in an accident, stolen, or you incur another loss.

Comply with Requirements

Insurance is also a good idea to get so you can comply with requirements. The state of New York will obligate anyone looking to purchase a car to carry liability insurance at all times. Further, when you take out an auto loan, the lender will require you to carry insurance to protect your vehicle. With the right insurance, you can stay in good standing with all such requirements. 

If you choose to purchase an auto insurance plan in the Rochester, NY, area, you will want to know that you are selecting the right policy for your situation. A great way that you can be assured that you select the right policy is by calling our professionals with the Bajorek Agency Inc. At the Bajorek Agency Inc., we know the value of this coverage and understand how complex picking a plan can be. We will offer the help you need to build your next policy. 

Do I Have Adequate Insurance Coverage on My Vehicle?

It can sometimes be difficult to determine exactly how much insurance coverage is necessary for a vehicle. However, there is a surefire way to determine whether your car is adequately covered. Here are some things to consider, so you can ensure that your vehicle is properly covered in case an unfortunate event were to occur, making it necessary to file a claim. Serving the greater Rochester, NY region, Bajorek Agency Inc. is here to assist. 

Adequate Auto Insurance Coverage

Whether Your Vehicle is Paid Off

If you’re still making payments on your vehicle, then you are required to maintain full-coverage insurance until you’ve paid off the loan. The finance company could opt to repossess your vehicle if they discover that you don’t have adequate insurance coverage.  If you own your vehicle free and clear, then full-coverage insurance is always recommended but not mandatory. 

How Often You Drive

The more often you’re out there on the road, the greater the chances are that you’ll become involved in a car accident. So, if you drive frequently, then even if your car or truck has been paid off, you might want to consider a full-coverage policy. You can never predict when a car accident might occur, and having full-coverage insurance can ensure that any damage to your vehicle is covered, as well as anyone else’s if you’re found to be at fault. 

On the other hand, if you rarely drive your vehicle and it is frequently stored in your garage, then liability insurance will likely suffice as long as you’re not making payments. 

Schedule A Consultation Today!

If you’re a Rochester, NY resident and you’re seeking a new insurance company for your vehicles, we at Bajorek Agency Inc. provide all types of coverage for New York residents. We are proud of the top-notch customer service that we provide, and we’re ready to provide you with that same great service. Give us a call today, so one of our knowledgeable agents can provide you with a quote. 

No-Fault vs. Fault Auto Insurance States: What’s the Difference?

A car accident can set off a number of stressful issues, from dealing with car repairs to figuring out medical bills. If you’ve been in a car accident, it’s important to understand whether you’re in a fault or no-fault state to understand who will be responsible for paying your medical bills. 

No-Fault vs. Fault Auto Insurance States

In a fault insurance state, the person who caused the accident is responsible for paying the other person’s medical bills. In some cases, this can stop people from getting the treatment they need as they wait for the other party’s insurance company to pay their bills. In a no-fault insurance state, each driver is responsible for their own medical bills through the personal injury protection (PIP) portion of their insurance plan. 

There are twelve no-fault states in the U.S.: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. If you live in a no-fault insurance state, it’s possible that your overall insurance premium will be lower than if you lived in an at-fault state. This is due to the fact that insurance companies pay less for medical bills since there is no back-and-forth following a car accident that results in injury.

If you’re at fault for the accident, your rates will still likely increase, as your insurance company will still be responsible for the other party’s vehicle repairs.

Searching for the right car insurance for you in Rochester, NY? Bajorek Agency Inc can help. 

At Bajorek Agency Inc, we’re excited to serve the Rochester, NY area. We’d love to chat with you about our auto insurance options and create a policy that makes sense for you and your family. Reach out to us today to learn more.

Auto Insurance FAQs

Auto insurance in New York state is required. You need to at least have liability insurance to protect other drivers and property from you. If you are looking for a family-owned and operated insurance agency, Bajorek Agency Inc in the greater Rochester, NY community offers the personal service that you deserve. 

Auto Insurance FAQs

Does your auto insurance cover you if you drive in Canada?

Typically, your US auto insurance will cover you in Canada. Have your proof of insurance with you. It is always a good idea to call your carrier to make sure that you have coverage in Canada. 

What is gap insurance?

When you have a new car, it loses value as soon as you drive it out of the lot. Your auto insurance will not cover you for what would actually be the replacement cost if your vehicle were totaled. If you get gap insurance, it will pay the difference between the insurance value of your car and the cost to replace that car. 

Do I need more than basic auto insurance?

Legally, New York only requires liability coverage, which is basic insurance. If you have an auto loan or a lease, you will need more than basic coverage. If you count on your vehicle to survive daily activities, you need to be able to replace it quickly. If that is impossible financially, having collision and comprehensive coverage will be a lifesaver. 

Does auto insurance cover a rental car?

It really depends on what you have for insurance on your own vehicle. You will get the same coverage for a rental car, so if you have only liability coverage, then no, you need to have collision and comprehensive coverage. When in doubt, give your insurance agent a call and ask about your coverage. 

Contact Bajorek Agency Inc in Rochester, NY for all your auto insurance needs. 

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. 

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. 

Making Your Car Safe Before a Road Trip

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.


Is Classic Car Insurance Part of My Auto 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. 

What are the Typical Components of Auto Insurance Policies?

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.

Medical Payments

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. 

Uninsured/Underinsured Motorist

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.

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