Insurance

Win A Trip To London

2006-09-18T13:33:00.000-04:00

Allstate Wants to Send you to London!

Enter here for your chance to win an all-expense paid trip to London as part of the Clear Channel Radio Show Stopper sweepstakes presented by Allstate Insurance Company. Simply visit one of the 500 plus New York area Allstate agents today for free quote on Your Choice Auto insurance, only from Allstate.

Enter to Win by clicking on the Title "Win A Trip To London" Don't forget to indicate you were sent by our agency: "Viggiano Inc" it might help you win.

Would you like an auto quote?

Call 888 642 3467

Ask for Jay.

Progressive Customers Save The Most

2006-09-15T10:07:00.000-04:00

Switch to my agency to see how much you can save, Call 888 642 3467

Hello my name is Jay - I recently analyzed the amount of money we saved our customers and here is what I found:

On average customers that switched from Progressive to my agency saved $632.00 per year.

Call Jay at 888 642 3467 to see how much you can save.

Auto Insurance

2006-09-15T09:08:00.000-04:00

Dear Bloggers,

We will cover the following questions over a series of posts since this is a big topic.

What does auto liability insurance do?

What are some things that auto liability insurance does not do?

What does full coverage do?

What are some things that full coverage does not do?

Stay tuned...

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend

http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments.

Also click on the envelope to email this article to a friend.

Save $438 On Car Insurance

2006-09-01T09:31:00.000-04:00

Dear Bloggers,

On average our customers save $438 per year on their car insurance simply by switching over to our Agency! Call 888 642 3467 to find out how much you can save.

Our agency does much more than just save people money - we are a full service agency!

Unlike many of our competitors, when something goes wrong we're there to help.

Let me give you an example, a customer had his vehicle towed!

One of my staff members spent 30 minutes calling the appropriate authorities to determine the location of the vehicle. Cost of additional service $0, we're a full service agency remember?

Another example - a customer was involved in a car accident and was being blamed for the accident! We stepped in and helped the customer recover 80% of his damages! Cost of additional service $0, we're a full service agency remember?

Last example - a customer had an accident with a U-Haul truck and caused his personal auto insurance to go up. We fought to get the accident removed from his record and to have every additional penny he paid because of it, returned.

Does your insurance company do any of that for you?

If not insure your car with us and you'll get full service at discount rates, don't short change yourself, act now call 888 642 3467.

FREE GAS From New Allstate Agent

2006-08-17T09:52:00.000-04:00

Offer has expired. Sorry - But you can always call us - on average our customers, that switch from well known companies that I cannot mention, save $438 per year on their auto insurance.

What can you buy with the extra money?

Dear Bloggers,

Great news!! Jay Lin has just joined our agency!!!! Welcome aboard Jay. He's here to help us put more money in your pocket!

To celebrate his arrival our agency is giving away GAS.

Call 718 965 3400 for your quote.*

Best case scenario, you'll save money on your insurance and get FREE GAS.

Worst case scenario, you get FREE GAS.

Either way you win!

Call 718 965 3400 for FREE GAS! Ask for Jay or Rodrigo!

Please forward this post to a friend, colleague, family member anyone that has a car, take advantage of our offer while it lasts, offer expires 8/31/06.

Delaware River Flood 2006 Upper Black Eddy PA

2006-08-15T19:21:00.000-04:00


Here is a video showing the village of Upper Black Eddy, PA (In Bucks County, north of New Hope) suffering another flood - the third major flood in two years. We have DVD's of this video, free for local residents contact us at www.ubefire.com for details.

Who Needs Flood Insurance?

2006-08-15T19:10:00.000-04:00

Hurricane season is here, but as the recent heavy rains in New England have shown, it doesn't take a hurricane to be at risk for a flood. That's why flood insurance is important to have year-round to protect you and your possessions.

If your area is prone to flooding, you may be required by the government or your mortgage company to have flood insurance. Insurance companies stress that homeowners insurance does not cover flooding. In fact, while you may be able to buy flood insurance from your agent, the policy itself is administered by the federal government.

And it's important to purchase a policy sooner than later, since there is generally a 30 day waiting period before the policy goes into effect.

Flood Insurance

2006-05-30T14:16:00.000-04:00

2005: A Year for the Record Books

Hurricane season is looming and, once again, forecasters are predicting an active one. The 2005 hurricane season caused billions of dollars in losses across the southeast and the many records broken during the season are a clear indication of just how violent it was. This past season saw:
28 named storms
15 hurricanes
Four category five hurricanes
Four major hurricanes making a direct U.S. landfall
Five retired storm names.

June 1 Marks the Beginning of Hurricane Season, Prepare Now!
As the start of the 2006 Atlantic hurricane season approaches, now is the time to get prepared. The NFIP encourages you to start talking to your customers now about flood insurance. There is a 30-day wait for a new policy to take effect and with an active season predicted, June 1 may be too late.

Don't wait plan now - call me at 888 642 3467 to get your National Flood Insurance Program started today!

Be smart about renting!

2006-02-06T12:34:00.000-05:00

Dear Bloggers,

When we meet with new customers, most of them have never heard of renters insurance. Click here learn a bit more about it.

Renters insurance highlights:

- Renters insurance is designed to protect the renter, not the owner of the building!

- Renters insurance is designed to help you purchase everything you've lost brand new (If you purchased the RCV form).

- Some policies will even restore your identity if it has been stolen by a thief.

- If you go through a catastrophic experience like a fire, it will pay for you to go live elsewhere!

- It's absolutely affordable, most policies range from $150 - $350 for the YEAR! (Depending on number of rooms in your apartment)

Need more info call me 888 642 3467 - get covered today before it's too late!

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend

http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. Also click on the envelope to refer this blog to a friend.

Engagement ring.

2006-01-27T09:57:00.000-05:00

Dear Bloggers,

When insuring a an engagement ring here's what you need to know:

1) Get it appraised - find a jeweler or a gemologist to charge you a flat rate to appraise your ring.

2) The appraisal should be for what you would need to pay in order to buy the ring at retail prices. Some appraisers may ask if you would like to inflate the cost of the ring just in case something happens you would be able to get something nicer with the insurance money.

3) If something happens to the ring your insurance company will review the appraisal for the particulars of the stone and the band. Then they will go to a wholesale company and price out how much would be needed in order to replace the lost stone and band with a stone and band of like kind and quality. And that is the amount they will pay you to replace your stone and band. You will be referred to the wholesale company to finalize the purchase.

4) Don't be fooled - just because you insured your engagement ring for big bucks, doesn't mean you'll get it. Insurance companies will only pay what you need in order to replace the ring. They have extensive networks of companies and providers that will replace the lost items at a much lower rate when compared to retail establishments.

5) Remember, there is a wholesale price and a retail price for your item. Just because your insurance company can replace it at a lower rate doesn't mean it's worth less on the retail side. The replacement is just as valuable as the item that was lost.

If you need an appraiser or if you're in the market for an engagement ring I highly recommend Ted Arnstein at Fabrikant. His Phone # 212 757 0790 ext. 438 - I like Ted because he's honest, fair and knowledgeable. He's been in the industry for many years and I'm sure he'll be able to assist you with your needs.

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend

http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. Also click on the envelope to refer this blog to a friend.

Think you don't need flood insurance?

2006-01-25T08:32:00.000-05:00

Dear Bloggers,

Just because you live in a low risk area does not mean you are safe from floods. (Flood = heavy rains, so heavy the terrain cannot absorb it fast enough and the water runs off into low lying areas.) We've all experienced heavy rain falls, we all know it rains everywhere, a bad storm can reach as far inland as 50-75 miles from the coast line.

If you are in a low to moderate area you should have flood insurance. First of all because it is extremely cheap for you, compared to those poor folks in a high risk area. Second of all you will be happy you purchased flood insurance when the big hurricane hits the New York area.

Think it won't happen here? Let me remind you about the Long Island Express!

Click here: http://www.newhousenews.com/archive/mccutcheon122905.html

It was one of the worst storms to hit the New York area, experts say we're about due for another one. Why take a chance, get flood insurance!

Want more info on flood insurance? Visit www.floodsmart.gov a site created by F.E.M.A. to educate the public on the danger of floods.

If you rent an apartment your landlord will not pay for personal belongings lost in a flood. You need to protect yourself with a contents only policy from the National Flood Insurance Program. And just becuase your personal belongings are covered under your home insurance policy does not mean they are covered in case of a flood.

If you need a flood quote for your home and or your contents and are in the NYC area call me toll free at 888 642 3467 - I'll give you a free consultation on your flood risk.

Here are some related articles on areas that have suffered floods and are urging those in low to moderate areas to get covered!

http://www.chronline.com/main.asp?SectionID=61&ArticleID=26669&SubSectionID=173

http://seattlepi.nwsource.com/local/255688_insurance14.html

http://www.thereporter.com/editorials/ci_3403129

http://www.marinij.com/marin/ci_3399336

http://www.katu.com/news/story.asp?ID=82334

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend

http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. Also click on the envelope to refer this blog to a friend.

Allstate Says No

2006-01-24T09:13:00.000-05:00

Dear Bloggers,

Unbelievable news, Allstate is no longer offering hazard insurance on Long Island and the five boroughs of New York.

Read about it here:

http://www.newsday.com/business/local/newyork/ny-lead4584327jan12,0,3570157.story

If you're having trouble locating an insurance company in your area visit http://www.iii.org/ it is an organization dedicated to helping consumers connect with insurance companies.

If you are in the Long Island or five boroughs of NYC You can also call me toll free at 888 642 3467 and I will help you get insurance.

My prediction: More and more insurance companies will follow Allstate's lead unless legislation is enacted to help the insurance companies defray the costs of natural disasters.

Read more about it here: http://www.sptimes.com/2006/01/12/Pasco/National_hurricane_in.shtml

It might be more difficult for you to get an insurance policy if you purchase a home on Long Island and or the five boroughs of NYC. Just some food for thought.

For your sake I hope I'm wrong.

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend

http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. Also click on the envelope to refer this blog to a friend.

Actual Cash Value Explained

2006-01-13T20:50:00.000-05:00

Dear Bloggers,

Question: I have ACV Form listed in my hazard policy, what does it mean?

Answer: It means the insurance company will only pay you the Actual Cash Value of your home based on a sliding scale.

Example: $100,000 home completely destroyed by fire. The sliding scale would look something like:

50 years - 40%
45 years - 35%
40 years - 30%

(Sliding scale not typical, it just serves to illustrate a point)

So if my 50 year old home is destroyed by fire and I need $100,000 to rebuild it and my policy indicates it will pay up to $100,000 ACV Form then I will get a check for $60,000. Yes this means YOU would have to pay the other $40,000 to repair your home.

That's right your insurance company will pay whatever you need to rebuild the home minus the applicable percentage next to the age of the home.

With Actual Cash Value the insurance company is not concerned with replacing the building but rather paying you the actual value of what you've lost.

Ask your insurance company to show you the sliding scale they would use with your policy

Question: Why would anyone want Actual Cash Value?

Answer: Sometimes it's cheaper. I don't think the savings is significant enough to justify gambling with your biggest investment. Or your property is in such bad shape that's all you can get, something is better than nothing. I would definitely look to improve the property so that I could qualify for RCV insurance.

So if you have ACV and didn't know it - call me right away 718 965 3400 and I'll give you a quote for RCV or Replacement Cost Value insurance.

The purpose of insurance is to make you whole again or to make it like you never had a disaster in your life. If someone gave you ACV Form without telling you then you need someone that will give you better advice.

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend

http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. Also click on the envelope to refer this blog to a friend.

Is your home overinsured?

2006-01-13T15:07:00.000-05:00

Dear Bloggers:

Okay I missed a day, sorry. I'll make it up to you by publishing two articles today, fair? I think so.

Question: The market value of my home is $300,000! Why would I want to insure it for less than that?

First read my article on Replacement Value Vs. Market Value.

Second you never want to overinsure your home! Why? An insurance company will never pay more than what you need in order to rebuild it brand new. Let me give you an example:

In order to understand this concept I think it's a good idea to exaggerate the situation so that the answer is perfectly clear. Imagine if we could take your home and put it in the most expensive neighborhood in Brooklyn. It's now worth $1,000,000 (Instead of $300,000) to buy it! But to rebuild it from scratch let's just agree it would cost $150,000.

You quickly call up your insurance company and they insure it for the $1,000,000 and they're excited to charge you $4000 per year no problem. Then a fire destroys your entire home, naturally you file a claim - the insurance company goes down to see what you lost, they look at pictures of the home before the fire and then they send you a check for $150,000.

But not to worry - with the $150,000 you can rebuild your home and once finished it will be worth $1,000,000 or more when you try to sell it.

Insurance companies word their hazard policies along these lines:

"We will pay UP TO the amount listed on your declarations page."

Your hazard policy most certainly will not read like this:

"We will pay the amount listed on your declarations page"

Those two little words make such a big difference, don't you agree? It allows the insurance company to pay the customer only for the damages for which they've suffered. The insurance companies will never agree to give you what's on the policy unless you paid big bucks for yours.

Insurance companies are designed to make you whole again, they are not in the business of enriching their customers by paying exaggerated claims.

Whether you like it or not this is the plain truth - if your policy indicates you have replacement cost coverage or RCV form, then what I have just explained applies to you!

If your policy indicates you're covered for ACV then you will want to read today's late edition!

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend

http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. Also click on the envelope to refer this blog to a friend.

Replacement Value Vs. Market Value

2006-01-11T11:19:00.000-05:00

Dear Bloggers,

Question: My insurance broker told me to insure my house for $180,000, but I paid $300,000 for my house! Why should I insure my home for less than it's worth?

Answer: In the insurance world there are a variety of figures that are important. They are, ranked in order of importance:

1) Replacement Value - Amount of money needed to build something brand new.
2) Mortgage Amount - Amount of your loan.
3) Purchase Price - Amount you paid for the property.

I don't know the particulars of your situation but it sounds like a common misconception in the hazard or home insurance market. If your insurance broker is telling you the right level of insurance for your home is $180,000 and you paid $300,000 for the house - he/she must be using the replacement cost method.

This means that someone took the time to figure out how much you would need to rebuild your home from the ground up if it was lost in a fire or some other disaster.

Food for thought: if your insurance company gives you enough money to rebuild your home brand new what have you lost?

The answer is nothing. Because if you lose something and I purchase it brand new for you, you've lost nothing, I've made you whole again.

How much do you think a construction company would charge to build your home brand new? (In your case sounds like $180,000)

Do you think a construction company would sell you the home for what it cost to build it?
(Of course not, in your case sounds like $300,000)

The difference between the replacement cost and the market value of your home is the seller's profit!

I hope this is clear to you. Normally I would illustrate but this forum doesn't allow for diagrams.

What this means to you - you're saving money by using the replacement cost method. You're not overinsuring your home, and that's important. You never want to overinsure anything!

It is perfectly okay to ask your broker how he/she arrived at the $180,000 replacement value. Most insurance companies and brokers use computer programs designed to calculate how much would be needed to rebuild a property. Click here to read a little about Marshall & Swift. Many insurance companies use their software to calculate replacement values.

As a fail-safe insurance companies also send inspectors to do a variety of things one of which is to quickly double check the replacement value of the home. Ask your broker if this is will be the case.

Tomorrow I will discuss why you want to avoid overinsuring your home! After that we will look at Actual Cash Value or ACV Form and Replacement Cost Value or RCV Form.

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend

http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. Also click on the envelope to refer this blog to a friend.

Property Inspections

2006-01-10T10:53:00.000-05:00

Dear Bloggers,

When you purchase hazard insurance expect your insurance company to conduct a safety inspection of the property. As a rule of thumb they look for things that can potentially damage your home or for conditions that might cause a liability suit.

Common conditions that need correcting:

1) No handrails!
2) Broken and uplifted sidewalk
3) A tree that might fall next time the wind blows
4) Broken windows
5) Broken and uneven stairs
6) Pool without a locked fence

If you have conditions that need to be corrected you most likely will receive a cancellation notice from the insurance company. But don't worry so long as you fix it - you will be okay.

What to do once you correct the conditions:

Obviously if there is something wrong with your home you need to correct it. If you use a licensed contractor it makes things very easy. Most companies will accept a paid receipt, from the contractor, detailing what was done. If it covers the conditions the insurance company pointed out then you will get to keep the policy you have, no problem.

If you do the work yourself you should take pictures of all the items the insurance company wanted fixed! Send it to your agent / broker so they may submit to the insurance company. This should fix the problem. If the insurance company wants to take a second look they will send another inspector to verify that the work was done.

VERY IMPORTANT - IF THE INSURANCE COMPANY IS SENDING SOMEONE TO YOUR HOME TO CONDUCT A SECOND INSPECTION MAKE SURE EVERYTHING THEY POINTED OUT ON THEIR NOTICE HAVE BEEN CORRECTED! IF YOU HAVE NOT CORRECTED EVERYTHING YOU CAN KISS YOUR POLICY GOODBYE.

If you have found yourself in that situation call me toll free at 888 642 3467 and I'll try to help you.

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend
http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. Also click on the envelope to refer this blog to a friend.

Go Prepared! Part 2

2006-01-10T10:10:00.000-05:00

Dear Bloggers,

Question: What do I need to bring with me when getting a quote on property insurance?

Answer: More is always best! Don't be afraid of bringing your property file with you when you visit the local insurance office.

When someone comes in for a property quote ideally the customer would have the following:

1) Property appraisal
2) Names of all parties that will appear on the deed to the home
3) Names of all parties that appear on the loan documents
4) Date of Birth and Social Security numbers are sometimes needed
5) Loan officer's phone and fax number
6) Commitment letter from the bank

7) Most importantly you should have an idea of when you will close on your property!

If you don't have all the information above it's okay - if you focus on gathering all the information on the property you are going to buy you will be able to get a quote.

When I get a property appraisal I go through it and gather all the information I need in order to generate a quote. Saving you from having to give me a huge amount of information.

The names are important because there are some companies out there that don't allow more than a certain amount of names on the policy.

By being able to discuss insurance requirements with your loan officer and reviewing your commitment letter I have a chance to save you money on your hazard insurance requirements by opening a policy that insures your home for the replacement value not the market value.

You can reach me at 718 965 3400 to get your quote on Homeowner's insurance A.K.A. hazard insurance.

Tomorrow we will discuss the difference between replacement value and market value and how replacement value can save you money.

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend

http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. Also click on the envelope to refer this blog to a friend.

What is PMI?

2006-01-10T09:57:00.000-05:00

Dear Bloggers,

Question: What is PMI?

Answer: I contacted Charles Mildton at S.O.S. Mortgage for the answer to this very common question. Since it's sometimes confused with the insurance for the home I figured we would try to tackle this subject.

Charles told me the following about PMI or Private Mortgage Insurance A.K.A. Primary Mortgage Insurance:

"It is insurance that a lender takes out on their behalf when you finance over 80%. This coverage is to protect them against early default.

The only benefit you have is that where lenders would not consider approving loans where the purchaser could not put down 20% or better, this helped people to get approved.

The bad part is that it is a small premium that is added to your monthly payment. This does not affect you in a negative manner. It just protects the investor against default.

You do want to get out of paying it as early as possible, because you always want to lower your monthly payment. Once your payments have reached the 20% mark, PMI is supposed to automatically come off. However, the borrower should be mindful of this.

Another thing a person can do is after the first year of mortgage payments, you could have your property re-appraised. The increase in value will show that the amount owed on the loan is less than 80% of property value.

Send that appraisal into your lender and they will recertify your file and remove PMI. It is always better to save money on a monthly basis."

Another way to avoid PMI is by asking your mortgage professional about a second home loan or a H.E.L.O.C.

A H.E.L.O.C. avoids your primary loan amount being over the 80% Loan to Value ratio thus saving you money on P.M.I. costs.

I'd like to thank Charles from S.O.S. Mortgage for all his help and if you need a reputable loan officer I highly recommend Charles you can reach him at: 516-620-3229.

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend

http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. And or click on the envelope to refer this blog to a friend.

Go Prepared!

2006-01-06T10:34:00.000-05:00

Dear Bloggers,

Question: What should I bring with me when I go get a quote?

Answer: That depends on the type of quote you need:

A) With auto bring:

1) Your insurance policy that's been in effect for the past two years.

2) Your license, copy of license of any other driver.

3) Defensive driving certificate for yourself and all other drivers.

4) Any accident reports for accidents that occurred within the last 40 months.
In lieue of an accident report bring in any and all relevant claims information for the accident. The more you bring, the more the rep can do to get the accident listed as not-at-fault!

5) Before you shop around stop and think, has the police stopped you in the past 5 years and issued you a ticket for anything? If so tell the insurance rep about it, this way there won't be any nasty surprises later on. If you don't do some soul searching you're wasting your time, you're going to get offers that don't apply to you.

Tomorrow we will focus on what you need to bring to get a property quote.

Soon we will focus on PMI or Private Mortgage Insurance.

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend
http://nofeeinsurance.blogspot.com

Click on the word "comments" right below this line to submit your comments. Also click on the envelope to refer this blog to a friend.

How much information is too much?

2006-01-05T14:11:00.000-05:00

Dear Bloggers,

Question: When I was shopping for insurance I was asked for my Social Security number, is that normal?

Answer: The major carriers in New York are definitely requesting this information. And it is almost impossible to get an accurate quote without giving out your Social Security number. So long as you initiated the call and you know whom you're calling I'm sure you'll be safe. If you don't feel safe, ask if you can meet the representative in his/her office. Or find someone else you do feel comfortable with.

Credit is now the biggest thing for insurance companies, they claim it allows them the ability to rate a policy more effectively. Seeing how the rates have begun to decrease there must be some sort of positive trend they've picked up.

What this means to you. Each company has their own criteria, so if one company doesn't give you such a hot response, try another! This isn't like shopping for a credit card so it should not affect your fico score. I've run quotes for myself using my own information and then I've ordered my credit report and I've seen no trace of my inquiries. So hunt for insurance without worrying, just be careful of whom you give your info to.

If you want a trustworthy company in New York try my friend Helen at 718 965 3400 or toll free 888 642 6437.

Sincerely,

Rodrigo "The Insurance Guy"

Visit often, & feel free to tell a friend
http://nofeeinsurance.blogspot.com

The Dirty Truth About The 6 Hour Driving Class

2006-01-03T13:08:00.000-05:00

Dear Bloggers,

There is much confusion about the infamous 6 hour driving course! I find that most people believe once they complete this course all their tickets/violations will be deleted permanently from their record. Unfortunately this is too good to be true!

The 6 hour course, widely available in New York, is locally advertised at DMV, driving schools, supermarket carts, etc. as a quick FIX for the points you've accumulated over the past 18 months. What these clever companies don't tell you is the notation of your violation(s) are left intact on your DMV record for the insurance companies to use for rating purposes.

The insurance companies, since I’ve been in the insurance business, have never used the DMV point system as their way to rate policies. The insurance companies look at what you have done and they assign a surcharge based on the criteria on your DMV record. So a DWI carries a heavier surcharge when compared to an accident.

What is it good for you ask?

All insurance companies in New York must apply a 10% (roughly) discount to your policy if you’ve taken the course. The discount will remain on your policy until it reaches the third anniversary of when you took the course. At which point you can retake the course to get another 10% discount for the following three years. In areas such as downstate New York where premiums on car insurance are high it’s an easy way to reduce your insurance premium.

The National Safety Council NSC.ORG indicates on their website the course will help you:

Drive defensively, make smart choices while driving, and sharpen driving skills.

I completely agree with the N.S.C. – I’ve taken their course several times and it refreshes what we forget or what we take for granted. I strongly recommend the course to anyone looking for some relief on their insurance premium or for parents of teenage children that are newly licensed.

If you do not reside in New York ask your insurance agent or broker if this discount is available in your state.

Sincerely,

Rodrigo "The Insurance GuyVisit often, & feel free to tell a friend
http://nofeeinsurance.blogspot.com/

My first blog

2005-12-30T09:49:00.000-05:00

My Fellow Bloggers,

This blog will be dedicated exclusively to New York specific insurance questions. I've been in the New York insurance market for the past 10 years. I have a wide variety of resources, tips, news and of course an opinion, which I will do my best to package neatly and provide you with information you can rely on.

Initially I will begin my blog with common problems faced by consumers, and I will tell you how to avoid costly or time consuming mistakes!

I welcome any type of insurance question or concern you may have - I will do my best to answer all of your questions, however please understand I am only dedicating an hour daily to my blog, and I may not be able to get to all the emails or questions.

Sincerely,

Rodrigo "The Insurance Guy

Visit often, & feel free to tell a friend
http://nofeeinsurance.blogspot.com