Category: Auto Insurance

Yes, auto insurance is mandatory in New York, but is that the only reason you should buy auto insurance? The simple answer is no. Car insurance is a lot cooler than that. If you are asking whether car insurance is a worthwhile investment, listen as ASZ International Inc. of Westchester, NY, shows why you shouldn’t regret buying auto insurance. 

It protects your car

The simple concept of car insurance is “pay now and save later.” This means that while premiums might appear expensive now, they are a fraction of the cost it would cost to repair or replace your vehicle when calamities strike.

Car insurance protects your vehicle whether on the road or parked in your garage or driveway. Since perils like accidents, fire, theft, vandalism, and so on can damage your car, auto insurance ensures that any damage to your car is taken care of. This way, you don’t have to dip in your pockets when mishaps occur.

It shields you against liabilities

While car ownership is fun, it comes with its fair share of potential woes. For instance, if you are deemed liable for an accident, you could be accused of bodily injury and property damages. Without car insurance, your assets could be on the line. However, liability coverage on your car insurance pays for third-party claims. 

It gives you peace of mind

Driving should be fun. You shouldn’t be thinking about what would happen if you got into an accident. Investing in auto insurance enables you to drive your car confidently, knowing you are covered against mishaps. 

Buy auto insurance today

When you hear someone say that auto insurance is a waste of money, walk in the opposite direction. Auto insurance is a worthy investment that saves you countless losses if the unthinkable happens. If you are in Westchester, NY and its environs, don’t hesitate to contact ASZ International Inc. for affordable coverage.

The Westchester, NY area can be a great place for anyone to reside. When you are a local, there are many professional opportunities and a great set of local amenities. When you want to travel to other areas, enjoying it as much as possible will require that you own a car. If you are a car owner here, you need to make sure that you get the right insurance. There are several reasons why having auto insurance here is a necessity.

Insurance is a State Requirement

Auto insurance is a necessity for New York drivers because it is a state law. When you want to drive a car in this state, you need to comply with state law regarding liability coverage. This form of coverage is required for all drivers, and it ensures that you will have the ability to pay for damages that you may cause in an accident.

Insurance Required by Lenders

You will also need to get auto insurance in this state if you have taken out a car loan. Those who finance a vehicle will have insurance requirements, which are set to protect the lender’s collateral. If you do not have a full collision and comprehensive policy at all times, you will be in loan violation.

Having auto insurance in Westchester, NY is a necessity for anyone with a vehicle. Due to this, it is important that you receive some guidance when looking for a new policy. You should contact ASZ International, Inc. if you are looking for a new policy. When you call the team at ASZ International, Inc., you can learn more about how insurance will benefit you. Our priority is making sure that you feel secure and confident with your insurance coverage.

Upon reaching 15, your child earns their learner’s permit and terrifies you with the prospect of teaching them to drive. You also need to add them to your auto insurance, which should not terrify you since your friendly neighborhood insurance agent at ASZ International, Inc., serving Westchester, NY, can help you add them without issue.

If you plan to let your teen practice driving in the family car, you need to add your child to your auto insurance. That way, if they cause an accident, you are covered against liability. This also saves you from needing to add them later and offers an opportunity for them to take a defensive driving course before getting their full permit. This can net you a discount since you are probably paying their insurance.

You will typically find it cheaper to add a teenaged driver to your insurance than to purchase a separate policy for them. Either way, you should prepare for your premiums to increase because teens present the highest risk group of drivers.

You can get a discount by insuring multiple vehicles with the same insurance agency. If you and your spouse did not already do this, you could save money this way. If you help your teen get a vehicle, you can get a discount on the insurance by bundling that policy with that of the other vehicles. You can also lower your premiums by increasing your deductible. If you do not allow your teen to drive often, then ask about occasional and pleasure-only driver discounts or a usage-based insurance policy.

Contact ASZ International, Inc., serving Westchester, NY, to learn more about auto insurance for teens. We can help you insure your high-risk driver and help you all remain safer on the road.

At ASZ International Inc. in Westchester, NY, our agents often get this question, "do I need auto insurance?"

The answer is yes, New York State mandates minimum coverages. You are required to carry no-fault personal injury insurance (PIP) of at least $50,000 per person. Liability of $25,000 per person for injury and $50,000 if the injury resulted in death and $50,000 for two or more injured persons and $100,000 for two or more deaths. Finally uninsured motorist coverage to the same limit as the personal injury. These are just basic liability coverages. For many people, this will not be enough auto insurance to feel protected.

If you have an auto loan, your lender will require you to protect their investment. The same is true for a leased vehicle. This will mean that you will need to carry collision and comprehensive coverage. Collision protects the vehicle from damage that is the result of an accident with another vehicle when you are the party who is at fault. It will pay to repair or replace your vehicle if it is damaged beyond repair after the deductible has been met.

Comprehensive coverage protects your vehicle from other damage. It can be caused by weather-related events such as high winds that bring down tree limbs, (sometimes on your vehicle) or hail. It also covers things like vandalism, and in the event that your vehicle is stolen, it will replace the vehicle up to the limit of the policy.

When you are ready to get your auto insurance or would just like someone to look at your coverage, ASZ International Inc.in Westchester, NY is ready to help you find the right policy for your needs and your wallet. You can reach us on our website or give our office a call to get a no-obligation quote.