There are many ways to be a safe and conscientious driver. Along with following the rules of the road and being courteous towards other motorists, you must also implement car insurance coverage to remain protected from a myriad of risks. Below, find answers to frequently asked questions about this essential type of insurance. 

4 Frequently Asked Questions About Car Insurance

How does car insurance work?

If you pay monthly premiums to your insurance company, you receive coverage in the event of a collision or other accident. If you are at fault, your insurance will payout to the other motorists involved. Many policies also cover costs incurred when other people are at fault. 

What is the minimum car insurance I need?

In New York, drivers must have liability protection, personal injury protection, and uninsured motorist bodily injury coverage. In terms of liability, you must have coverage of $25,000 to $50,000 per person or accident for bodily injury and $10,000 per accident for property damage. The personal injury protection minimum is $50,000, while $25,000 to $50,000 per person or accident is needed for uninsured motorist bodily injury. 

Should I purchase more than the minimum?

If possible, it’s best to set coverage limits as high as your level of risk necessitates. You might also consider purchasing additional policies. For example, some types of insurance offer coverage in the event your vehicle is stolen or vandalized. You can also select a coverage that pays for rental cars in the event your vehicle needs to be repaired. There is even roadside assistance insurance, which addresses services like tows or road service for batteries or tires. 

How can I lower my premiums?

Setting a higher deductible means lower monthly premiums. However, it’s important that you have enough money to cover the deductible in the event of an accident, as insurance compensation only kicks in after the deductible has been satisfied. A clean driving record can also reduce costs, as can purchasing a safe and reliable vehicle. You might also be able to take a driving course about safety to bring down costs even further. 

P.D.H Insurance Brokerage Inc. in Valley Stream, NY, is committed to helping clients find the best policies available. They have strong relationships with top insurance brands, which means you can have affordable coverage that also offers ample protection. Along with car insurance, they can help you find umbrella policies, home insurance, flood coverage, and policies suited to small business owners. Call (516) 561-5227 to schedule a consultation or visit their website for a full list of services.