New York has a high cost of living compared with most other states, and auto insurance is no exception. Costs are even higher for individuals with bad driving records. Other factors can also boost rates, such as living in a high-crime zip code. However, taking an accredited course in defensive driving can help lower auto insurance rates in New York.
You can save money on insurance costs by enrolling in and completing a New York defensive driving course, but savings depend on certain factors. Savings on insurance can be as much as 10 percent once you pass the course.
The New York State Insurance Commissioner requires by law for all auto insurance companies that operate in the state to offer a 10 percent reduction for New York drivers who pass the specific course. This reduction, which is subtracted from the base rate of existing liability, collision, and no-fault premiums, must remain in effect for three years once it’s awarded to the driver.
New York’s approved defensive driving course is called the “Point and Insurance Reduction Program (PIRP).” Other names for the class include “NY Defensive Driving Course” and “NY 3-Year Renewal Course.” Some people call it the “Accident Prevention Course” as well. Make sure the state DMV approves the course provider.
The auto insurance rate reduction expires after three years, so if you want to continue enjoying the same rate, you’ll need to take and pass the course again. The course is available online 24/7, making it easier to do at your convenience. It’s also available in a physical classroom.
If you drive multiple vehicles, the course will apply to each vehicle listed on your policy. However, if you have multiple drivers on the same policy, the discount will only apply to those who take the course. Once you pass the class, you’ll be awarded a certificate you can submit to your insurer for a discount. The course also reduces the impact of as much as four points on your license, although the points will remain on your driving record. This information will be reported electronically to the NY DMV.
The class is simple. If you enroll in an online course, you can study the material at your own pace. The online course lasts a total of 320 minutes. Experienced drivers will likely have an easier time with it, whereas inexperienced drivers may need to put more time into studying the material. Once you sign up for the course, you have 30 days to complete it.
Whether you take the course or not, it’s important to understand the main concepts of defensive driving. A major key is to stay focused on the road while driving. The main causes of accidents are distractions that can be manual, visual, or cognitive.
All is not lost if you’ve racked up marks on your driving record, as a NY defensive driving course can reduce your insurance costs. Contact us at Abatelli Group Inc. for more information on getting the best auto insurance coverage and rates in New York. We will help create the best and most affordable coverage plan for you.
Car insurance costs are always on the rise. If you want to keep your monthly premiums low, it’s important to speak with your insurance carrier first. Switching policies too often can lead to carriers penalizing you. However, bundling your insurance policies is an easy and effective way to save on costs. Utilizing the expertise of an insurance agent when shopping for auto insurance, is the best way to keep up to date on your policy terms and conditions.
Circumstances change for all of us. Teenagers need to be added or removed from your policy. You may have purchased a new car or sold the one you no longer needed. Even small events can have an impact on the price of your car insurance premiums.
While many of us are constantly looking for ways to save money, its important to make sure that when you find a good deal, it isn’t because you have to take a cut in your coverage. That’s not a deal, that’s a trade-off, and it can cost you in the long run. Look for types of coverage you may no longer need. If you no longer have a loan on your car, you may be able to drop your coverage down to collision or PL/PD.
Every insurance company offers discounts. A few good examples are a safe driving discount for those with no tickets or citations and a good student discount for teens who maintain a good GPA. Talk to your insurance agent, and you may be surprised to find out what discounts you are eligible for.
Check your credit score. You may qualify for lower premiums as you pay off old debts and improve your credit score. Check your credit score frequently and look for ways to improve it. A good credit score indicates less risk and can result in lower premiums.
If you think you may be paying too much for your auto insurance, call the agents at Abatelli Insurance Group, Inc. We have several discounts that you can apply for and will be able to find the perfect policy for your needs. Contact us today to learn more!
It is mandatory for every car owner to have auto car insurance, and factors like age, gender, a record of prior claims, driving record, etc., can sometimes influence your insurance rates by making it increase. However, there are sure ways to help you lower your car insurance rates and get the best one possible on your policy. Read on to learn more about them.
At Abatelli Insurance, we have a wide range of car insurance policies that will surely cater to your needs. Contact us today for more information on ways to reduce your car insurance rates in the Greater NY area, especially the ones that are perfectly suitable to your needs and situations. This will keep you from making costly mistakes where your insurance policy is concerned.
Car insurance can be quite expensive, especially if you have a certain type of vehicle. However, there are ways to lower your car insurance costs which can save you hundreds of dollars in the long run. Here are a few of them to help you get started.
Whenever you can, park your car in the garage. If you don’t have a garage or carport, try to park your car as close to your house as possible. Make sure it is in an area that is well-lit and in plain sight of surveillance cameras. If you can, put a car cover over your vehicle to protect its paint from external elements and prevent people from seeing inside. It will also give you an additional layer of security if someone tries to break into or steal your vehicle.
If you need to lower your car insurance costs, you may want to rethink your coverage. The only time you really need comprehensive insurance is if you have a loan on your vehicle. This is normally required by the lender who holds the title. Once the car is paid off, you can drop your coverage down to collision coverage or PL/PD coverage if your vehicle doesn’t have much value. If you prefer to keep the more expensive types of coverage, you can offset the cost by readjusting your deductible amount.
One of the easiest ways to lower your premiums is to raise your deductible. However, raising your deductible increases the amount of out-of-pocket costs you will have to pay if you ever file a claim. If you are paying higher premiums with a lower deductible, call your insurance agent and see if you can reverse that and pay more on your deductible and less on your premiums.
Many car insurance carriers are offering a safe driving program. This involves installing a small beacon in your vehicle that monitors your driving habits. The better your driving score, the lower your premiums will be. You can also boost your scores by taking a defensive driving course and turning in your certificate of completion to your insurance agent.
You are required to carry a state minimum amount of car insurance on your vehicle in every state. However, you can lower your premiums by reducing your risk of damage or theft. If you have more questions about how to lower your car insurance costs, contact us at Abatelli Insurance today!
The thrill of owning a car and visiting a used car lot to purchase one for yourself can be overwhelming. At that moment, it is understandable if you are not thinking about long-term life goals and how this purchase will affect them. However, there is one important factor that must not be ignored during a car’s purchase – the car’s history.
You should determine the car history to make the right purchase. You do not want to purchase a stolen car or one with a title that has not been revoked. You will only find out about such information by getting a detailed car history.
Also, the kind and quality of insurance you can get on the car depends on how safe it is for use. Insurance companies will usually only provide coverage for vehicles that meet certain standards. While they may insure vehicles with past accident records, they are not likely to provide coverage for those that have not been cleared for road use.
The VINCheck website allows you to check a car’s history quickly and for free. The only requirement is the Vehicle Identification Number (VIN) which can be found on the official documents or on the car’s windshield. The VIN system was introduced in 1954 and standardized in 1981 as a method for tracking vehicle history. You can use the VINCheck easily while you are in the car lot. However, it is not very thorough given that it is a free evaluation that does not provide information about accidents.
You can do a more thorough background check using AutoCheck and Carfax, which require you to pay a fee. For example, the single report plan from AutoCheck comes for $24.99, and it is the cheapest. These reports provide extra information such as ownership and usage history, service history, questionable title brands (salvage, flood, fire, or hail). Though this is a more thorough report, it will not account for accidents that were not reported.
It is helpful to go along with a trusted mechanic on your purchase trip. If you do not have a personal mechanic, have your friends or colleagues refer you to one. The mechanic will perform a thorough inspection of the vehicle’s parts, identifying which parts have been replaced and whether it is a good buy. However, note that their verdict is not to be relied on solely as a go-ahead for the purchase.
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.
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.
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.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
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.
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!
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!
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.
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!
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.