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Get the right insurance coverage in NY or where ever you live

If you live in New York, you already know that its rich heritage of performing arts and theatre.  You can easily visit venues such as ballet and productions such as musicals or plays. Or you can enjoy the outdoor fun and entertainment at the beautiful parks, beaches, or play a game of miniature golf.

No matter where you are on Long Island, there is always something to do.  While you are driving to enjoy a family weekend at the beach or other outdoor adventures, keep in mind that you need proper auto insurance in Long Island to ensure the safety of your family and others on the road.

Choosing the right insurance policy in New York will help get you back on the road quickly after an accident or just a breakdown.  Insurance is even more important if you encounter a more serious situation such as your vehicle being destroyed by accident or fire.  But you also need to consider things such as theft and acts of nature.  So, finding the right policy with the right company along with comparing quotes from several top companies is key.

With Long Island’s selection of wineries increasing year to year, touring a vineyard is becoming increasingly popular.  But before planning your trip, consider how you plan to get there and back home safely.  Consider booking a vineyard tour and your party can enjoy the winery without having to worry about driving and an accident.

With all of the amazing things to do in New York, such as motorcycle riding, surfing, Golf, Bowling, Basketball, and RV riding, it’s important to consider also insurance for motorcycles, RVs, or boats that you may own that can be damaged or lost in an accident or even theft or vandalism.

Insurance will vary by each state and in some cases, it’s not enough.  Things to consider are:

  • How much does the policy cover for property damage for a single accident?
  • The coverage amounts for bodily injury and for the death of a person involved in an accident or an occupant of.
  • The insurance deductibles for both collision and comprehensive coverage.

It is usually necessary to have insurance that covers damage to your vehicle if you are financing it.  You will most likely need Collision Insurance and Comprehensive Insurance.

Collision is exactly what it sounds like, it’s coverage that pays for damage caused to your vehicle in an automobile accident.  You will have some sort of deductible to pay if you are involved in an accident.  The lower the deductible, the higher the insurance premium will be, and the higher the deductible is, the premium will be lower.

Although not required in any state, Comprehensive Insurance will cover things such as theft, windshield damage, vandalism, or things other than a collision.  But it will most likely be required if you are financing.  There will also be some sort of deductible to pay with Comprehensive Insurance.

You will find a wide range of affordable options in the New York area.  It’s important to get the right amount of insurance but at an affordable price.  Shop around for discounts such as having a good driving record, doing a safe driving course, or bundling your home and automotive insurance.

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of


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