No matter how long you’ve went without having an auto accident, it’s still extremely imperative that you invest in car insurance. After all, you never know when you might get in an accident, and you never know how much the damages will add up to.

Fortunately, with insurance you can rest assured that you’ll be covered in auto accident, but it’s important that you make sure you’re adequately covered with the best policy. Here are a few questions that you’ll want to ask your insurance agent who serves the 12203 area.

Is comprehensive coverage offered?

If you opt for a minimum liability policy, you should understand that you won’t likely be covered for flood or animal damage, such as hitting a deer. To be covered under these circumstances, you would need comprehensive or full coverage.

Are discounts offered?

Are you in school? Have you been accident free for a long period of time? Do you have other policies with the service provider? Does your car have anti-theft features? If you answered yes to any of these questions, then you most likely qualify for some type of discount on your auto insurance. The savings could be upward of 20 percent, so make sure to ask about them.

What happens after a collision?

If you want to make sure that your car is compensated for after an accident, then you’ll need a policy that includes collision coverage. In the event that you get in an accident that is your fault or with an at-fault driver who isn’t covered, then your collision coverage would kick in and compensate you.

If you have more questions about car insurance in Albany, NY, contact us today. One of our reputable agents can provide you with free quotes.

There’s a good chance that you’ve looked up the rules about driving with a learners permit in the 12203 area. And while you are probably very familiar with the things you can do with your permit, you must also consider the things you cannot do. Here’s a quick look at the five things you won’t be able to do with a learners permit when driving in Albany, NY.

Drive by yourself

With your learner’s permit, you are not allowed to drive by yourself. In fact, you must have someone in your car who is at least 21-years-old and has a valid driver’s license. In addition, this person must be legally allowed to operate the type of vehicle you are driving.

Speed

Just like any driver, you are not allowed to speed or break any traffic laws while driving with your learners permit. If you do, you may end up with your permit being suspended for an extended period of time.

Drive in a DMV driving area

With your learner’s permit, you are not allowed to drive in any areas where DMV tests are conducted.

Drive with your siblings in the car

Many people who are old enough to drive are considered old enough by their parents to babysit. What you must remember, though, is that you are not allowed to drive your siblings if you have only a learners permit. The only way you can do this is if a licensed driver who is at least 21-years-old is in the car with you.

Drive without wearing a seatbelt

You and everyone in the vehicle must wear a seatbelt. If you have any small children in the vehicle, they are required at all times to be in proper child restraints too.

For more information on driving in New York with your learners permit, contact one of our highly-trained car insurance agents today.