Rochester Insurance

A car break-in could result in two claims! Theft or vandalism of certain items inside your vehicle may only be covered by your homeowners insurance or renter’s insurance.

What are the 7 biggest factors in Auto Accidents? The list below names the 7 factors that most often contribute to car accidents, and it’s easy to see why. What do you think is the biggest factor?

The Smith Insurance Agency in Rochester NY is continuing to bring you Over 100 Safe Driving Tips for young drivers.

Since the first of Henry Ford’s Model T’s rolled off the Piquette production line at Detroit more than a century ago, law enforcement, vehicle manufacturers, Rochester auto insurance companies we humble car owners, have been waging a non-stop war against auto thieves. And despite all the advances in security and technology, the crooks are still doing well since, according to the FBI, around a million motor vehicles, worth more than $7 billion, are stolen in the US every year.

We are getting to the time of year when the weather starts reeking havoc on the roads! Potholes are a major driving hazard that can jar your body and damage your car. If only they were easier to spot! Following a few simple precautions will cut the risk of becoming a victim.

You are looking to going on vacation and are considering renting a car to get around. You know that when you get up to the counter of the rental car company, you’re going to be asked the dreaded question. “Do you want to buy insurance from the rental car company?”

I’m sure you have seen Personal Injury Protection coverage on your auto policy (sometimes written as PIP), but has anyone ever explained to you what it means, exactly? There are actually three different ways that you purchase PIP coverage on your Rochester NY Auto Insurance policy, and we have outlined them here for your information!

Do I need to purchase rental car coverage from the rental car company when I rent a car?

This is a question that we get in our Webster, NY insurance agency at least a few time a month. In a perfect world, we would be able to give a very black and white answer but, unfortunatley, the answer really depends on several factors and the best thing that you can do is call your insurance agency to have a more in depth discusion.

Focus on texting may be taking attention away from driving dangers that are much worse. Many states have laws against texting while driving or they are working to pass this type of law here in 2011. You may be surprised to learn, however, that federal and auto insurance industry-funded research as yet shows no link between texting and more crashes. We are not saying that is isn’t a distraction, we are just relaying what the research shows.

So you’re shopping around for auto insurance. What do you need to know? Well, there are lots of ways that you can save money. These money-saving ideas may apply to you.