When you buy auto insurance in Selden, New York, the amount you pay on your policy is based on many different factors such as your driving record and the model and age of your vehicle. Insurance companies do not particularly care if you use your car to drive to work two days a week or five days per week. What they are more interested in is how many total miles you drive in a year.
Your premium may be higher if you drive 30,000 miles each year instead of just 5,000 miles in a year. You can still be a great driver and not get into any accidents if you put on a lot of miles on your car, but, from a statistical point of view, the more you drive, the more opportunity there is to possibly get into an accident.
Insurance companies have different views on how mileage affects risk. Some will raise your rates if you tell them you drive about 30,000 miles per year and others might not care if you have been with them a long time and never filed a claim.
One thing you should not do is lie about the distance you drive to and back from work. If you commute 50 miles away to your job in New York City, don’t say that it is only 10 miles to work. Doing so can amount to fraud because you are knowingly trying to deceive your insurer to try to get a lower premium.
By the same token, if you just retired and no longer have a 100 mile round trip commute five days per week, you should report the reduction in annual mileage to your insurance carrier. The distance you drive each year does matter, but unless it is extreme, like 75,000 miles, your auto insurance premium should not go up by much. Give us a call and an independent agent will give you more details about driving distances and the rates you pay for insurance.
Your home insurance policy in Selden, New York, covers you against damage caused by a number of different perils. One of those perils that can do the most damage and destruction is fire. Insurance companies pay attention to the risks associated with strong winds, heavy rain and snow storms in Selden, New York, but they are even more concerned about the risk of fire.
If you are cooking in the kitchen and your curtains catch on fire, you can probably put it out rather quickly by going to the sink and dowsing the flame with some water. If some cinders from a pile of leaves that you are burning float up into the air and land on the roof of your house, you can spray the embers with the garden hose and stop the danger of your house catching fire and burning down.
Being close to a fire hydrant is good when you need to buy home insurance. Insurance companies will often give you a discount on you premiums if there is a fire hydrant located just a short distance from your house. You can also get a better rate if a fire station is located less than five miles from your home.
The reason is obvious. You need water to put out fires and the faster you can get to a supply of water, the more likely you will be able to put out a fire before it has a chance to spread. Insurance companies are all about measuring risk. If the fire department can get to your house quickly, hook up a hose to a nearby hydrant and mitigate damage by extinguishing the flames, covered losses will tend to be lower.
Give us a call and ask an independent agent about all the different ways you can lower the premiums on your home insurance policy. While you can not control how close you happen to live to a fire hydrant, there are other things, like installing a smoke detector or replacing an old roof with a metal roof, that will save you money on home insurance.
Depending on the severity of the accident, your car could be in the shop for up to a week after a collision. During this time, you will still need a vehicle to get to work, run errands, and get around Mastic or other parts of New York while you are waiting on your car. Though a rental car could really come in handy after an accident, most insurance companies require you to add rental reimbursement coverage before you can receive this important benefit.
What is Rental Reimbursement Insurance?
You can opt for a form of coverage that will reimburse you for the cost of renting a vehicle following an accident. While your car is in the shop, you can rent a vehicle and then submit the fees to your insurance company for reimbursement. The main requirements of rental insurance are that the rental must be obtained from an approved company and your rental costs must fall below a pre-determined limit.
While a standard policy is unlikely to reimburse you for a rental vehicle, comprehensive coverage may include rental coverage.
Benefits of Rental Reimbursement Coverage
Rental reimbursement coverage is a worthwhile addition to your insurance policy. If your car must undergo extensive repairs after an accident, you may find yourself stranded for over a week. This can cause to miss work, creating further loss for you. Rental reimbursement ensures that you can go about your daily affairs while giving your mechanic plenty of time to repair your car.
Where You Can Purchase Rental Reimbursement Coverage
An independent agent can help you add rental reimbursement coverage to your existing policy. If you are shopping for a new policy, we can help you select a policy that will give you the highest possible rental limit at the lowest possible premium. Contact us today to speak with an independent agent to get covered with rental reimbursement on your auto insurance policy.
Figuring out your insurance needs is not always easy. Homeowner’s insurance is one the trickiest types of insurance you purchase, too. Because of this, many property owners are left with more questions than answers when they start trying to find the right coverage for their home.
One question that comes up repeatedly is “Does the number of dogs on my premises affect my premium in Selden, New York?” Put simply, yes–the number of dogs you own will affect the premium you pay. This is because when you own dogs, the risk of a visitor being bitten by an animal on premises is much greater. This is even more so the case if you own certain breeds that are known for being vicious. Fortunately, most dogs are not mean and you will likely never need to use this coverage. However, you need to have it to keep yourself protected, in the unlikely event that it occurs. You will find that while owning dogs or a number of dogs can make your rates go up, it may not be by as much as you would think. In the future if there is a case where a human or another animal was bitten on your property, you would be very glad you paid for it!
The best way to find out how much coverage you need to cover your pets is to work with an independent agent. An agent understands exactly what you need to be covered and can also help you get a great price for that coverage. Work with us and we can run real-time online comparisons to find you the best possible rate for the coverage you need. So, whether you have one dog or twenty–make sure you inform your agent and get an insurance policy to protect your financial well being.