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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Monthly Archives: September 2022

Three Things You Didn’t Know About Your Auto Insurance Policy

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You probably know that your auto insurance policy is there to help you financially if you get into an accident. Unfortunately, most people sign on the dotted line and pay their premium without ever giving it a second thought – but that’s a mistake. Understanding what you’re paying for and what your coverage entails is essential. With that in mind, here are three things you probably didn’t know about your auto insurance policy.

1. Your Policy Covers More Than Just Your Car 

Your auto insurance policy isn’t just there to protect your car – it also protects you, as the driver. If you are involved in an accident, your auto insurance will cover any medical expenses incurred by you or your passengers, up to the limit stated in your policy. It will also provide liability coverage if you are sued by the other party involved in the accident. 

2. Your Premium is Based on More Than Just Your Car’s Value

When you get auto insurance, you must first decide how much coverage you want. Then, your insurance company will give you a quote based on several factors, including the car’s make and model, driving history, and credit score. Many people don’t realize that their credit score is a factor in determining their premium, but it is. Insurance companies view customers with poor credit as a risk, charging them higher premiums.

3. Rental Car Reimbursement Might Be Included in Your Policy

If you get into an accident and your car is damaged, you will need a rental car while yours is in the shop. Most people assume they have to pay for this out of pocket, but that’s not always the case. Some auto insurance policies include rental car reimbursement, which will cover the cost of a rental car while yours is being repaired.

Now that you know more about your auto insurance policy, it’s time to take a closer look at your coverage and ensure you have the proper protection. Contact NY Twin Bridges Insurance Agency today if you have any questions or need help finding the right policy in Albany, NY.

Reasons to Bundle Your Home and Auto Insurance

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When shopping for a home and automobile insurance, there are so many options that it can be confusing. Even worse, you may find different plans with different companies, so you may have no idea what to do. That being said, you may want to consider bundling your insurance policies. 

Here are some reasons why. 

  • It will save you money. Many companies offer discounts when you buy more than one policy with them. You could be saving as much as twenty-five percent on your insurance bill! 
  • You only have to deal with one company. If you have multiple companies, you may not know who you need to call when you have a problem. If you only deal with one, you can easily call the company to get your answers. You can even ask the same company questions about both policies instead of making two or three phone calls! 
  • You are less likely to get dropped if you have one insurance company for multiple things. If you get into multiple accidents or have numerous claims for your home, there is a chance that your insurance company will drop you. However, if they know that you pay for multiple policies, they are less likely to drop you because they want your business. 

You may not want to bundle your home and automobile insurance, but it may be a good idea. You can save a lot of time and money by doing so. It also helps with security.  

You need to speak to a professional to ensure you get the right plan at a reasonable price. Don’t hesitate to contact us today at NY Twin Bridges Insurance Agency in Albany, NY.