For many people, auto insurance is a must-have. You don’t want to get caught on the road without proof of insurance. So, what happens if you do not have a car? Do you still need to have auto insurance?

NY Twin Bridges Insurance Agency knows that you have a lot of questions about auto insurance in Albany, NY. These are a few reasons why we might recommend auto insurance even if you are not the owner of a vehicle.

You Plan to Buy a Car

If you intend to buy a car in the near future, you should keep your auto insurance. When you leave the car lot, you likely need to provide proof of insurance before you can take a car with you.

You Drive Another Car Frequently

If you borrow a roommate or partner’s car often, you should be added to their insurance policies as an additional driver. This prevents your roommate or partner from facing consequences if you are in an accident or you cause damage to their vehicle.

You Rent Cars

If you rent cars frequently, it is important that you have insurance as well. This will help you save money on vehicle rentals and protect you from liability and other issues that may arise.

You Drive For Work

If you drive for work, you may need your own auto insurance. Every employer has different requirements for insurance, and this is something worth discussing with an insurance agent.

Consult With an Auto Insurance Company Today

Are you unsure if you need auto insurance? NY Twin Bridges Insurance Agency can help you determine if getting auto insurance is the best option. Our Albany, NY drivers have many options to choose from. Contact our office to learn more.

If you have decided to purchase collision coverage, you want to make sure that you have the right amount of coverage to meet your needs. NY Twin Bridges Insurance Agency, which serves the drivers of Albany, NY, provides collision coverage and other services. If you are trying to figure out how much collision coverage is enough, here’s what you need to know.

Understand the Role of Collision Coverage

If you want to make sure that you have enough collision coverage, you first need to know what the coverage entails. In most cases, collision coverage covers damage to your vehicle caused by other drivers and collisions with objects, like trees and rails.

Consider the Value of the Car

If you want to make sure that you have enough collision coverage, you need to determine the value of your vehicle. Subtract the cost of the deductible from your car’s value. Then subtract the cost of your collision policy from the figure. This number represents the most your collision insurance may be valued if your vehicle is totaled.

So, what can you do with this number? A large number indicates how much of your car can be paid off with the policy in question. If the number is small or negative, you might want to consider increasing your insurance.

Speak With an Insurance Professional

The best way to make sure that you have the right amount of collision coverage is to speak with an insurance professional who can help you adjust your policy. Contact NY Twin Bridges Insurance Agency, which serves Albany, NY, for more information about getting the best collision auto policy for your vehicles.