Tag: car insurance

26
Aug

5 Tips to Prepare Your Teenager to be a Safe Driver

Teaching your teenager to drive can be both exciting and terrifying at the same time. While driving is another step in their journey towards independence, putting them in charge of your much-prized possession can be quite risky. Regardless of your feelings, you have to teach your teenager how to drive safely.

In this article, we will discuss some of the safe driving tips that will help them be more responsible drivers and might even do the same for you.

1. Buckle your seatbelts

Always make sure that your children buckle their seatbelts immediately after they enter the car. Do this every time they enter your car until they imbibe the habit and you no longer have to remind them.

2. Avoid using the cruise control when it’s raining

Cruise control is an incredible feature that enables your car to maintain its speed while driving on a highway. However, it is not a smart option for driving in the rain. This is because rain makes the roads wet and slippery, and with the cruise control on, the chances of the car wheels slipping and the driver losing control of the car increases. Therefore, educate your children on the dangers of using cruise control when it’s raining.

3. Avoid speeding

It is a known fact that speeding is a common cause of accidents. Depending on the extent of the accident, the victims might get off unscathed or with a few scrapes. On the other hand, they might also end up losing their lives. Therefore, remind your teenager that being a few minutes late is better than speeding.

4. Make use of the side and rear-view mirrors

The side and rear-view mirrors of a car are vital for safe driving as they enable drivers to see clearly behind and on either side of the vehicle. For this reason, your teen must always have optimum access to these mirrors. That is, they should ensure the mirrors are always adjusted to their height and size preferences.

5. Avoid using your smartphone while driving

Despite their many benefits, smartphones have become a huge distraction for drivers, especially teen drivers, who are more inclined to use these devices while driving. Many teen drivers believe that they can multitask – that is, drive and use their cell phones simultaneously. However, driving requires the driver’s total attention, and taking your eyes off the road even for a few seconds can result in a fatal accident. Teach your teens never to use their phones while they drive.

Finally, let your teenager know that they can’t always be in charge. There may be times when they get involved in accidents that aren’t their fault. Having the right auto insurance policy in place will protect your teens in the event of an unfortunate accident. If you want to know more about auto insurance, contact us at Abatelli Insurance. We are here to assist you with all your insurance needs today!

12
Aug

7 Smart Ways to Prevent Your Car From Being Stolen

With every technological update, car thieves become more ingenious and adopt new tactics to steal cars. Car theft is a situation no one is ever prepared for. According to the Insurance Information Institute, $6.4 billion were lost to motor vehicle theft in 2018. Keeping these statistics in mind, it is important to take active steps to prevent your car from being stolen.

How to Prevent Your Car from Being Stolen

1. Place your keys in aluminium foil

Some car thieves use certain devices to intercept the signals from your car keys surreptitiously. When they get hold of these signals, they gain access to your car and steal it. Therefore, you should wrap your car keys in metallic items like aluminum foil to block the signals and protect your car from relay attacks.

2. Etch your VIN Number on your car window and mirror

Another method of protecting your car from theft is to etch your VIN number on your car window and mirror. This method is inexpensive, but it will discourage potential car thieves as they will have to change the window and mirror.

3. Hide an old phone or tablet in the car

When you have to park your car in a seemingly unsafe place, make sure to keep an old phone switched on and hidden in the car. Also, ensure that the phone is synced with your Google account and connected to Wi-Fi at all times. This will help you track your car easily using the “Find my phone” feature.

4. Tug the spark plug

Another efficient but inexpensive method of preventing car theft is to pull a spark plug. Any car needs a spark on its cylinder to “come alive.” By pulling the spark plug, the spark won’t be supplied to the cylinder, and the ignition won’t be initiated. This method is effective in places where criminals cannot open the hood to identify the problem.

5. Always lock your car doors

One of the easiest ways to prevent thieves from stealing your car is to lock its doors. Therefore, even if you are running an errand and will be absent only for a few minutes, make sure to always lock your car doors.

6. Always use a well-lit parking space

Nefarious activities like car thefts can be easily executed under the cover of darkness. Therefore, always make sure to park your car in a well-lit space to avoid all chances of theft.

7. Do not leave valuables in your car

Some thieves are not interested in your car but its contents. Therefore, by emptying it of valuables, like jewelry, gadgets, and other expensive items, you will make your car less susceptible to thefts.

Car theft is a common crime in the United States. Unfortunately, despite following the tips mentioned above, your car can still be stolen. The only thing close to total protection is getting your car insured. If you would like to know more about the right coverage for your car, reach out to our experts at Abatelli Insurance. Our team of professionals can help you with your car insurance needs. Contact us today to get started.

8
Jul

5 Variables That May Impact Your Auto Insurance Rates

Finding the right auto insurance policy can be a lengthy process. There are various factors that help decide your premium, including your driving history. In addition, there are other variables at play that you may not be fully aware of.
While you may think it’s a good idea to reduce or eliminate coverage to help reduce your auto insurance premium, you must look at all of the factors involved that impact the cost of your premium. Here is a thorough overview of the factors involved in calculating your auto insurance so that you can make an informed decision.

  1. The Type of Vehicle You Have

    Certain vehicles cost more to insure. A common example is luxury vehicles that often come with custom accessories that are expensive to replace if damaged. Therefore, driving a luxury vehicle will raise your auto insurance premium. High-risk vehicles are also difficult to ensure. These are vehicles where the likelihood of you being in an accident or your vehicle being vandalized is relatively high. In this current age of technology, many of the recent vehicles are made with innovative security features such as anti-theft devices or anti-lock brakes. If you have these features installed in your vehicle, you may qualify for a lower premium. Research shows that vehicles created with high-quality security features are less likely to suffer serious damage.

  2. Your Driving Record

    Your driving record is considered when figuring out your auto insurance rates. If you have a good driving record, it should be easy for you to find a great auto insurance policy. If you have been in a few accidents, you are going to pay a higher premium. If you have one parking or speeding ticket on your driving record, your rates will stay relatively unchanged. However, try to avoid receiving multiple tickets. If you are an inexperienced driver, you’ll have to pay more for insurance until you can develop a reputation as a good driver.

  3. The Amount of Time That You Drive

    Insurance companies will look at how much you use your car. If you drive your vehicle regularly, that will impact your auto insurance rates. If you have a lot of miles on your vehicle, insurers may believe that you are a high-risk driver. On the other hand, if you only use your vehicle a few times a week, you should be able to find relatively lower rates.

  4. Your Neighborhood

    Your neighborhood does impact your auto insurance premium. If you are staying in a neighborhood with a high rate of accidents and potential theft, you’ll have to pay more for auto insurance. Generally, staying in an urban neighborhood means you will pay slightly higher premiums than staying in a rural area. Where you park your car also impacts your premium. Parking your car in a garage is considered safer, and as a result, your premium will be lower.

  5. Extent of Coverage

    All auto insurance policies include liability coverage. You have the option to choose whether you want collision coverage, which protects your vehicle if it’s damaged in an accident, or comprehensive coverage, which covers your vehicle in multiple scenarios. If you opt for comprehensive coverage, your premiums will be a little higher. Your deductible also impacts the amount of your premium. It is the amount you will have to pay out of pocket before your insurer handles a claim.

As you can see, there are multiple variables that help determine your auto insurance rates. If you are looking for a reliable insurer for your car in Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York, you can check us out at Abatelli . We will help you find a suitable insurance policy for your car in no time. Contact us today!

10
Jun

What Can Invalidate Your Car Insurance?

All car owners know that having car insurance is required by the law. Without an active policy, you can be fined or have your driver’s license revoked. A car owner might even be imprisoned if they cause an accident and are found without insurance at the time of the accident. However, even with legitimate car insurance, certain actions carried out by a car owner can render their policy invalid.

Things That Can Render Your Car Insurance Invalid

 1.Wrong Home Address: Insurance premiums can be higher depending on how dangerous or safe the area you live in is. While you might want to reduce insurance costs by giving another address where the crime rate is low, the insurance company can invalidate your policy if they discover this. Also, if your car is ever stolen, you will have to explain why you have a different home address on your claim form before payment can be made, which might then lead to no insurance at all.

2.Unclarified Car Modifications: Whatever modifications you might have done to your car should be clarified and made known to your insurer so that they can make the necessary changes to your insurance policy. A modified car can be more prone to theft and might become even more dangerous depending on the part which was modified. You might have to pay a higher insurance premium to cover the modification, which is why any changes should be clarified before buying insurance.

3.Failing to Inform Your Insurers of Accidents: Any accident you are involved in, no matter how minor it is, should be made known to your insurer even if you decide not to make a claim or you decide to sort out the expenses yourself. This is because the other driver involved in the accident might decide to make their own claim. Also, if you end up making a claim for another accident later on and the damage of the first one is still present and doesn’t match the current report, you might end up not getting paid.

4.Allowing Others to Borrow Your Car: You may be fully insured, and the person who wishes to borrow your car may have their own policy as well. However, if you or the driver in question does not have a policy that covers borrowed cars, you might not be able to place a claim if they get involved in an accident while driving your car.

5.Change of Occupation: Lastly, your car insurance can become invalid if you fail to inform your insurers about your change of occupation. This is because such a change may affect the level of risks you are exposed to, ultimately affecting your premiums. For instance, if you have to drive a longer distance to reach your new workplace, you are exposed to higher risks of accidents and would therefore be required to pay higher premiums.

These are a few circumstances that might invalidate your car insurance. If you are looking for a reliable insurer for your car in Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York, you can check us out at Abatelli. We will help you find a suitable insurance policy for your car in no time. Contact us today!

15
Jun

Tips to Help You Stay Safe Behind the Wheel This Summer

With the warm weather come the crowds. Stay safe while driving out and about this summer with these safety considerations.

Summertime is almost here! With the weather heating up and the days getting longer, many people go on holiday and take time off work to enjoy the summer sun. While the crowds out and about increase, so does the traffic. The more people on the roads and streets can make driving a challenge. To help you keep your summer driving safe, check out these safety tips and review your auto insurance!

People

In your neighborhood, on city streets, in parking lots, and near the beach, people are outdoors more often in the summer. Many are more focused on their enjoyment than on personal safety, too. Be aware that children will soon be out of school, and may be playing in the neighborhood streets. It’s up to you to slow down in summer and stay alert.

Bicycles and Motorbikes

Summer is the perfect time to ride a bike – motorcycle or push! Pay attention to bikes approaching and take extra care in areas that attract cyclists.

Glare

The sun’s glare is especially bright in summer, making it harder for you to see what’s in front of you while driving. Always have your sunglasses handy when driving into the sun, and be ready to flip down the visor. Quite simply, if you can’t see what’s in front of you, slow down!

Heatstroke

Don’t forget about the dangers of parking! Even if you’re just popping out for a minute, it is never acceptable to leave a child or pet inside a locked car on a hot day. Anyone inside the vehicle is vulnerable to injury or even death from heatstroke. At an outside air temperature of 60 degrees, a car’s interior temperature can reach 110 within minutes. Take your child or pet in with you, and never risk it – even for a couple of minutes!

Driving is a privilege we all take for granted. Make sure that drive safely this season for the sake of yourself and passengers. Make sure that your car is protected with the right auto insurance policy. Contact Abatelli Group, Inc. for a proper quote on your insurance needs.

COVID-19 Update

Our office remains open and our staff is working remotely to continue to service our clients. You can reach us at (718) 352-6000 Letter to Policyholders