When speaking to our clients about their auto insurance, we are often asked what determines their premium and what opportunities they may have to help lower it without jeopardizing their coverages. In the interest of offering helpful information, we have one potential solution for you.
We’d like to share the benefits of taking a defensive driving course. Completion of a New York DMV-approved Point & Insurance Reduction Program will result in a 10% reduction of a driver’s liability, no fault and collision premiums. The discount extends over a three year period and applies to each vehicle for which you are considered the primary operator. In addition, it could result in up to a 4-point reduction on your driving record if you have previously received a traffic ticket. The course would also be a good opportunity for young drivers who have recently received their licenses and/or more experienced drivers to benefit from a refresher, all while lowering their rate at the same time.
There are two different ways to take the course. We offer this course online via our website to easily fit into your busy schedule. If you prefer the in-person engagement, there are also classroom-sessions available. You can click here for a full listing of New York state locations offering this type of option.
This is just one of the ways you can work on lowering your premium. Feel free to contact your agent for more suggestions and/or information about your auto policy. We would be happy to answer your questions and review your options!
Insuring your RV/Camper
The weather is starting to heat up, those spring and summer trips you have planned are not too far away. We know that being out in nature is the best way to recover from being stuck in the house all winter, making camping the go-to trip for family and friends. Some will be tenting while others will opt for the comfort of a camper or RV. If you choose the latter, here is some insurance advice before heading to the great outdoors.
Did you know?
- An RV policy is designed to accommodate almost all recreational vehicles from pop-ups to coaches
- While towing an RV/Camper, liability only is extended from your auto insurance
- While the RV/Camper is unhitched at your primary residence, liability will only be extended from your homeowners insurance
- An RV policy provides liability while being stored away from the primary residence
- An RV policy can be endorsed to provide comprehensive and collision coverage
- An RV policy extends coverage in Canada
- An RV policy does not extend liability coverage in Mexico
- In Mexico, an RV policy extends comprehensive and collision coverage only
- If damage occurs in Mexico, repairs must be completed in the U.S.
- In Mexico, you should purchase RV liability coverage from a local agent
- If RV/Camper is being towed by a Commercial Vehicle, contact your Commercial Auto carrier to confirm liability will be extended to RV
As always, check with your insurance agent or carrier to confirm coverage.
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