Business Vehicle Insurance Quotes in New York
Reader’s Question:
I know that it is required by law, but what are the other advantages of getting a business vehicle insurance here in NY? Thank you.
Marcus
Rochester, NY
Business vehicle insurance is a must for every vehicle used in any enterprise. You, as the owner, should be responsible enough to give your car a business vehicle insurance New York. Your vehicle is helping you in your livelihood, thus you have to protect it against any damages that it may incur in the future.
Having a business vehicle insurance New York will protect your business from accidents that can harm your source of livelihood. Imagine if one of your vehicles gets damaged in a car collision. Your business will certainly be affected by the damage your vehicle incurs. You may not be able to deliver your goods on time because you are lacking one vehicle to transport your commodities. In turn, you are risking losing profits for your business. In the long run, you may even lose the confidence of your business partners and clients.
Business vehicle insurance New York will also protect your business from incurring any financial losses. Imagine how much your business will have to spend if your vehicle gets involved in a traffic collision. Your balance sheets will be negatively affected because you had to shell out a significant amount for an unforeseen expense.
Teen Car Insurance in New York – Can I Afford It?
Reader’s Question:
I’m a parent worried about how much I’m going to pay for my newly licensed teen. How can I be able to save money on my daughter’s insurance here in New York?
Belle
Buffalo, NY
Saving money on teen car insurance in New York may not be so easy. You are not alone as thousands upon thousands of parents go through this every year. The high premiums of teen drivers can be well over a thousand dollars and it is sometimes hard to drive those premiums down.
Even if you can’t lower your car insurance premiums, you can prevent them from going up by making sure your young driver is really ready to drive. If they have no accidents in the “sensitive” period between the ages of 16 and 21, the premiums you pay will go down year after year.
You can make your daughter a better driver by setting a good example and being a responsible driver yourself. If all else fails, there are some tips that can slash a bit of the high premiums of teenage car insurance policies.
First is that you have to avoid buying your new driver a large SUV or a sports car as the premiums on these vehicles are very high due to their large size and high top speeds. Then ask for your teen to pay for some of the fees. Your daughter will most likely not be able to pay all of the costs but she can help. You also have to help your student get good grades as students with a 3.0 GPA actually get discounts, up to 10 percent in some cases.
You have to follow these guidelines and you would save a little bit of money. Paying for your daughter’s car insurance is one of the many expenses that a lot of parents dread but have no fear because once they turn 21 the premiums drop considerably.
New York DUI Auto Insurance Quote
Reader’s Question:
Recently, I got a DUI in New York but having a New Jersey license and most likely, I will be charge with DWAI. Someone told me that in NY, the DUI will remain on my record for seven years but my lawyer informed me that in New York, it will remain on my record for lifetime. Can you please tell me if I the DUI record ill be removed after 7 years?
Jim
Islip, NY
The New York State Department of Motor Vehicles states that convictions for moving violations, accidents, and the suspensions or the revocations of your driver license stay on your driver record for a different amount of time.
According to the NYS DMV a conviction that is alcohol-related or drug-related (for example, DWI, DUI DWAI) stays on a driver record for exactly ten years. If a motorist is convicted of the same infraction during that ten years, the motorist can receive additional penalties.
There are other accidents and infractions of a major type that can stay on a motorist record for more than ten years. In addition, a NY revocation or suspension of a driver license that was not cleared or not terminated stays on a driver record indefinitely.
If NJ placed this New York offense on your NJ driving record then you may also be receiving penalties in your New York . In NJ a DUI conviction will stay a permanent part of your NJ driving record.
Teenage Driver Student Discount For SR22 Auto Insurance?
Q: I go to school here in New York and need to find a way to make my SR22 auto insurance premium cheaper so I can, um, afford my Ramen noodles. Is there any way I can do this as a student with a DUI on my record?
A: If you’re smart and/or dedicated, you can do anything. Sometimes it seems like students have everything up against them when it comes to high SR22 rates, which have increased prices because of their age, but they also have a couple of options available to them which older people don’t.
First of all, where do your parents live? If the answer is “100+ miles away from where I go to school”, then you may be in luck. There is a discount offered by many car insurance companies for those in this very situation, but you have to meet some requirements.
First of all, if you have your own insurance policy, then you would need to drop that and get your name on your parents’ policy. Then–and here’s the hard part–you would have to leave your car with them when you go away for school every semester. You would still be able to drive your own car when you go home, and your parent’s insurance would kick in after the car’s insurance if you occasionally drove a friend’s car.
You should also look into some of these common discounts.
1. Good grades for students
2. Membership at a credit union or bank
3. Good driving history credit – no accidents or tickets (does not apply to you)
4. Military personnel discount
5. Raising your deductible amount to as high as you can
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