Auto insurance companies consider several factors when setting the rates of auto insurance policies. One important factor is the safety of the area in which the automobile is primarily driven and parked. Many parts of New York are considered high crime areas, and auto insurance companies are naturally going to hike auto insurance rates up for drivers who live, and drive, in high crime areas.
Living and driving in New York doesnt mean you have to pay outrageously high auto insurance rates. There is a way to get cheap auto insurance in New York. First, think of the problem, which is the fact that auto insurance companies view automobiles in New York as being at high risk for theft, burglary, vandalism, and other damaging factors. So, aside from moving to a safer place, how can you combat these risks and get cheaper auto insurance in New York? By making your automobile safer, of course!
Install safety devices that werent included when you purchased your automobile. Safety devices worth considering are automobile alarm systems that sound when someone tries to break into your automobile; equipment that prevents your steering wheel from being turned if a thief should get your automobile started; and sturdier windows that will prevent anyone from breaking into your automobile.
Also consider where your automobile is stored when you arent driving it. If your automobile is parked on the side of the street while you sleep at night, auto insurance companies are likely to give you higher insurance rates. If you have a garage or rent parking space in a secure and private parking lot, auto insurance companies are likely to offer you cheaper auto insurance.
If youre shopping for auto insurance in New York, or already have an auto insurance policy, talk with your insurance agent about making these safety improvements to your automobile and how they will help you get cheap auto insurance in New York.
Shopping for auto insurance is the only way to save on the auto insurance. Car Insurance is the perfect solution for your problem on car theft, accidents etc. People are quite dependent on their vehicles and losing a vehicle by an accident or theft will be a financial loss. Moreover it will affect our day to day activities like office, school, doctor’s appointment etc.
Auto Insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to cover for injury or property damage
Medical coverage pays for the cost of treating injuries, rehabilitation. It also pays for any lost wages and funeral expenses
A standard form of auto insurance is a package of different kinds of coverage. Some insurance policies offer number of standard benefits, while other benefits are available as optional covers in return for an extra premium. Some of the more common Car insurance policy benefits are:
Windscreen
Driving other cars
Medical expenses
Personal effects
New car benefits
Lock replacement
Additional auto Insurance policy services include
Motoring protection
This service pays for personal injuries that you have sustained from the accident and also we pay for injuries that others might have sustained. This service also covers for any kind of property loss. This service also handles any legal technicalities.
Breakdown assistance
This services provides assistance incase your car breakdown and more often than not at a worst possible time. Complete details of these services are available when you get your car insurance quote or renew your policy online.
Its a bad idea for US and Canadian tourists to wait to buy Mexican Auto Insurance at the border or inside Mexico. Most people plan their vacation, then forget all about insurance until they cross the border… then they proceed to buy insurance at the nearest seller. This is the equivalent of buying your groceries at a convenience store: no matter how well you shop, you’re going to pay too much, and your options will be limited, too. You don’t even have the option of researching those insurers that vend at the border, and who knows how strong their grasp of the English language is going to be. Its better to buy it before you leave.
How much time is it going to take to purchase a policy at the border? What extra fees will they add? Is it a PAPER policy? Is it printed in -2 font? There might be a reason. What are the options? Why not purchase a policy before you go to Mexico, in the comfort of your home? It costs less. You need a policy with an English or a Spanish translation. You also need ID cards and accident instructions.
What will you do if you cant find an insurance booth as you cross or find that your favorite booth is closed or having equipment failure problems? What about Legal? Do they make you pay for the bond? What about emergency medical assistance? Is that included? Are they hawking Split limits or Combined Single Limits? Does it matter? Yes, depending on the amount of the limit you purchase?
Are you getting an electronic policy or a bare bones paper generated policy?
Does the insurance company you are purchasing from have a good or bad reputation for paying claims?
Does the policy say thats its OK to repair your car in the United States, & then restrict the Labor Rate to rates commonly found in Mexico such as $10.00 or $15.00 dollars an hour. Who pays if difference if the labor rate in the US is $65.00 per hour?