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How to buy Car Insurance

Car insurance has become a necessity if you drive a car. New York State mandates that all drivers must have an auto insurance policy. If you are pulled over, or in an accident and cannot show proof of insurance, you will be subject to fines. It is difficult to know which insurance policy is best for you and your family considering your budget and coverage needs.

Insurance rates can change based on the following variables:

  • The age of all the drivers who will be on the insurance policy
  • Years of driving experience,
  • Where the car is parked overnight
  • What safety features are on the car (anti-theft, antilock brakes)

The variable that most effects your rates is your driving record. Grapeville Agency looks to see if you have made a claim, been in an accident or received a traffic ticket in the last three years.

Additional discounts are received from:

  • A good driving record
  • Good grades for young drivers (B average),
  • Attending driver's education classes, and if you are a longtime policyholder.

Additional coverage, above the New York State minimum, is recommended by Grapeville Agency to ensure you are completely covered in an accident. Recommended bodily injury liability levels are: (Amount insurer will pay to the other party involved in an accident)

  • $100,000 per person
  • $300,000 per accident
  • $100,000 for property damage.

Other coverage includes:

  • Comprehensive insurance - pays when your car is vandalized, stolen or damaged by the weather.
  • Collision insurance - pays for repairs to your car when you hit something.

You can adjust your deductible - the amount you pay out of pocket before insurance is used, to influence your rates. In general, a higher deductible have lower rates and lower deductibles have higher rates.

For an accurate quote from Grapeville Agency insurance, remember to bring a list of the following:

  • Ages and sex of the drivers
  • Number of drivers in household
  • Driver's license numbers
  • Description of your car: make, model, year, vehicle identification number (VIN)
  • The type of coverage you would like to purchase.