Auto Insurance

Why do I need auto insurance?
Our Pawling, NY insurance agents explain…

The majority of states require all drivers who want to register and drive their vehicles on public roads to maintain a minimum amount of auto insurance. Moreover, to protect yourself from the dangers of driving an automobile in today’s litigious society it is imperative to select the proper level of auto insurance to meet your needs.

Chances are that you will need more liability insurance than the state requires.  If you are found legally responsible for damages that exceed the limits on your auto insurance policy you will have to pay the difference out of your own pocket. Increased liability limits are very inexpensive on an auto insurance policy and highly recommended. Also, consider the fact that your future earnings are at stake.

Mandatory New York State Auto Insurance Coverage

  • Bodily injury to others: minimum $25,000 per person, $50,000 per accident
  • Personal injury protection: minimum $50,000
  • Bodily injury caused by uninsured/under insured autos: minimum $25,000 per person, $50,000 per accident
  • Damage to other’s property: minimum $10,000

Optional Auto Insurance Coverage

  • Increased liability limits
  • Increased liability for injury caused by and uninsured/underinsured driver
  • Medical payments
  • Collision and comprehensive with full glass
  • rental reimbursement
  • Towing and labor

 

So how much coverage do I really need?

You will want to talk to your agent about purchasing higher liability limits than required by New York State to reflect your personal needs.  For homeowners the recommended amount of liability coverage is no less than $250,000/$500,000.  You may also consider purchasing an additional liability policy known as an umbrella policydepending on your situation.

 

Remember, New York State allows wage garnishment. If you are involved in an accident and found at fault and do not have enough auto insurance or assets to cover another party’s awarded damages your wages will be garnished until the sum is paid off.

How can I save money on my auto insurance?

Lets face it, car insurance can be expensive.  When buying a car it may be a good idea to think about the overall cost of owning the vehicle including the cost of insurance and maintenance.  You should also consider that insurance companies rate your policy based on a number of factors including credit, age of drivers, and the location where the vehicle is parked.  It is also a good idea to ask your agent about any available discounts that you may qualify for when fielding quotes.

Discounts could include:

  • Home and auto discount (multi-line)
  • Home ownership discount
  • Retired discount
  • Utility vehicle discounts
  • Saftey features discounts
  • Good driver discounts
  • Electronic bill discounts

 

Defensive driving discounts are available from all insurance companies and save you 10% for three years!

 

If your looking for car insurance in the Hudson Valley the Tanner-Prince Agency will guide you through the process and offer valuable advice that you can rely on.  We can save you time and money in your search for the right auto insurance policy that meets your unique set of circumstances. Visit our Pawling Insurance Agency located on route 22 across from the big red barn, just south of the Route 55 and Route 22 intersection.