Not all automobile insurance policies are created equal.

Some insurance carriers have policy features that can benefit you if you’re involved in an accident. For example, you may want to ask your insurance professional if they can offer any policy features that would allow you to keep all of your discounts if you’re involved in an accident. Depending on the insurance carrier, there are many other policy features available.

Many people are most concerned with price when shopping for auto insurance but it is important to keep in mind that you also need to have proper coverage and feature options as well. Please consult an insurance professional to discuss your coverage and feature needs.

There is a wide variety of coverage options and policy features available. When you’re shopping for new insurance coverage, be sure to have an in depth conversation about the proposed coverages and features to ensure that you’re purchasing a policy that is adequate for your needs.

In New York State, the minimum Bodily Injury Liability coverage limits are $25,000 each person / $50,000 each accident. The minimum Property Damage Liability coverage limit is $10,000 each accident. Many insurance carriers, will offer liability coverages up to and sometimes exceeding $1,000,000. As you can see, there are many options for your liability coverages. There are also many other important coverages that you should consult an insurance professional to make sure that you’re properly covered.

Deductibles are another topic that cause confusion for a lot of people. The question of which deductible is the right deductible often comes up. In most cases deductibles apply to Collision, Comprehensive, and Personal Injury Protection coverages. There is a variety of deductible options and for this reason, you should have a conversation with an insurance professional to identify a deductible option that best meets your needs.