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FREQUENTLY ASKED QUESTIONS




Brokerages / Agencies


Local Driving Schools


Auto Body Shop Centers


(Q) What type of things affect my Ins Rate?
(A) There are many factors that can affect the overall cost of your insurance rate. Things such as: 1.) The limits of coverage that you purchase 2.) What kind of car you drive 3.) Where you drive 4.) How much you drive 5.) Your age 6.) Your sex 7.) Your marital status 8.) and your driving record It's important to keep in mind that what you pay for insurance varies by companies.
FAQ's - FREQUENTLY ASKED QUESTIONS

Is There a 1-800 number for the Department
of Motor Vehicles in the State of New York?

How can I get proof that an accident that is
on my driving record is not my fault?

What type of things affect my Insurance Rate?

How can I lower my insurance rate?

What is a deductible?

Am I covered if I drive someone else's car?

What should I do if I'm involved in an accident?

Why do Insurance Rates vary so much
between Insurance Companies?

How are Insurance Rates determined?

Will my Auto Insurance Policy be canceled
if I am involved in an automobile accident?

If I rent a car, do I have coverage?

What will happen if I don't disclose all drivers
on the Automobile Insurance Application?

Can I use another address to lower my
Automobile Insurance Rate (Premium)?

Can I have my Insurance Mail mailed to
another address other than where I live?

What is the minimum amount of coverage I
am allowed to carry in the State of New York?

What does Liability Coverage cover?

What does Medical Coverage cover?

What does Collision Coverage cover?

What does Comprehensive Coverage cover?

What is Business Use?

What percentage of my Automobile Insurance
Premium pays for claims?

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Disclaimer: Any information provided is general in nature and provided to educated and inform the consumer. Various factors can affect the
total cost of insurance premiums and all consumer circumstances cannot be covered. Examples used are strictly to illustrated a purpose.