Good Night Irene

Have you ever tried to secure homeowners insurance in NY when a hurricane is barreling your way? Not going to happen. As inconvenient is it may be, you need to have your bank or mortgage company reschedule your closing for another day because most, if not all insurance companies will not bind insurance in NY if there is a major storm due to hit. Likewise for NY car insurance as well. At a dealership getting a new car? You might not be able to get full coverage on it during a binding moratorium.

Obviously a hurricane, not unlike an earthquake can cause a concentrated amount of damage in a small area. Multiply that by the wide area a hurricane can hit at once and you have the recipe for disaster. Remember Katrina? Most people dislike insurance companies for this reason, but they forget, the insurance companies have to make a profit too or they will go out of business. If they go out of business, millions of existing policy-holders could be left holding the bag, without any coverage.

In summary, moratoriums in the wake of a potential natural disaster actually protect existing insurance customers as much as it protects insurance companies.

5 More New Car Safety Features You'll Want To Get

Given that car safety is a predominant concern these days, let’s look at the rest of the of the top 10 auto safety features as highlighted by Edmunds.com. (By the way, if you don’t know Edmunds yet, check it out for smart objective tips for savvy consumers.)

Since you are more likely to be in a vehicle accident than almost any other kind of life-threatening situation, when you get a new vehicle, you might want to consider purchasing one that offers you additional safety features. The good news is that these new technologies not only might save your life, but some can also save you money. Just ask your Newburgh NY Insurance brokers.

Survive A Car Accident

The longer you drive the better chance you will have an accident. This pertains to your everyday driving as well as your whole lifetime of driving. It's the law of large numbers and it's why your car insurance in New York costs more when you drive further to work. You will most likely not be able to go through your entire life without getting into a car accident. Now with that said, lets ensure you survive to tell the tale someday. Read these tips below to improve your odds:

10 Factors that Affect Your Auto Insurance Rates

Automobile insurance is one of those things that nearly everyone buys without understanding it well. How many factors can you list that influence the premiums that you pay for insuring your vehicles?

Here is a list of several factors that may be included in calculating your particular rates. Some of these may surprise you! Your local Middletown NY insurance agents can explain how these factors relate to your particular situation and needs.

New York Auto Insurance

People can become pretty grouchy when dealing with insurance providers. Having to read in between the lines on your insurance policy becomes a hassle. Meeting with the insurance adjuster is a painstaking process that you wish would go away. These are all feelings we get when it is time to purchase, change, or increase our insurance. It is a shame that such feelings come up when dealing with the people who are protecting you and your loved ones. Well say goodbye to the feelings of dread.

Five Ways To Improve Your Car Safety Now

The recent problems experienced by Toyota have certainly put the focus on car safety. But the problem goes far beyond Toyota, of course. While 19 deaths have been linked to accidental acceleration in Toyotas in the past decade, there are approximately 37,000 deaths EVERY YEAR on American roads.

So what can we do as individuals? In a recent car blog, Consumer Reports discusses five things that every one of us as drivers can do to be safer on the road. How many of them are a habit for you? Safe drivers can get better insurance rates, so to save money on New York insurance, take a look at what they recommended!