There are many benefits to owning and driving a vehicle and many responsibilities that come with the privilege of driving. Arguably, one of, if not the highest concern is about driving safety and insurance. Not only when it comes to protecting and being safe regarding you and your own vehicle but also for the welfare of others. These are also only a few reasons why drivers from in and around the Amityville, NY area rely on the Acme Insurance Brokerage’s friendly and professional team of agents for all their auto insurance needs.

The Protection Every Driver Needs

As convenient, quick, and even comfortable as driving can be as a mode of transportation, it is also not without its share of risks. From other drivers, first and foremost, to road conditions, mechanical failures, and other concerns, driving demands a certain amount of caution. Unfortunately, however, even the most cautious drivers can prevent accidents from happening.

The good news is that if you are ever in an accident, having the right auto insurance coverage will make things easier, more affordable, and generally better. From help with repairs and damages to medical expenses and more, sometimes auto insurance is exactly what we need; it is the protection every driver needs.

Auto Insurance for Amityville Drivers

If you live in or around the Amityville, NY, area and have questions about auto insurance or need coverage for your vehicle, we can help. Our professional and experienced team can help you get the coverage, plan, and protection you need for you, your vehicle, and your driving demands. Contact us to learn more and schedule an appointment for the auto insurance protection you need and deserve at Acme Insurance Brokerage today.

When you own a classic car, you might wonder whether you need a standard auto policy or a dedicated classic car policy. We provide both policy types at Acme Insurance Brokerage, located in Amityville, NY.

Not All Cars Qualify for Classic Car Coverage

While any street-legal vehicle can get a standard auto policy, achieving classic car coverage involves certain requirements, which can vary according to the policy.

Typically, your vehicle should be at least 15 years old or qualify as an exotic car. The frequency of usage can also influence your eligibility – a car driven daily usually doesn’t qualify for a classic car policy.

Vehicle Valuation

Under a standard auto policy, the vehicle value is determined after an accident or claim based on the vehicle’s present value.

On the other hand, with a classic car policy, you and the insurance company agree upon the vehicle’s value at the policy’s outset. Classic cars should maintain their value instead of standard vehicles that depreciate with time.

Classic car policies usually include higher coverage limits due to the intrinsic higher value of classic cars compared to standard vehicles.

Policy Cost

Classic car insurance policies typically cost less than standard auto policies. This is mainly because classic cars are not frequently driven, thereby reducing the risk of an accident.

Classic car owners may also need to store their vehicles in a secure area, which mitigates risks from weather conditions and vandalism.

Classic Car Insurance at Acme Insurance Brokerage

If you are in Amityville, NY, and in the market for classic car insurance, contact us at Acme Insurance Brokerage. Our experienced agents are eager to discuss your requirements and assist you in finding the ideal policy.

Amityville, NY, drivers seeking to decrease stress and increase their peace of mind when driving on local roadways can protect their rides from auto accidents and non-collision-related incidents by proactively protecting their rides with comprehensive auto insurance. 

Have questions about choosing the best auto insurance policy? Learn about auto insurance essentials from Acme Insurance Brokerage in the guide below. 

Auto Insurance Essentials for Drivers in Amityville, NY

1. Understand Auto Insurance Types

Knowing the differences between available auto insurance policies helps local drivers choose the best policy for their budget, lifestyle, and driving patterns. State regulations require New York drivers to carry minimum auto insurance coverage with optional add-ons for comprehensive coverage. 

2. Comprehensive Auto Insurance

True to its name, comprehensive auto insurance is a type of full-coverage insurance that protects drivers from collision-related and non-collision-related damages. It can help cover the costs of repair or replacement for auto theft, vandalism, animal collisions, and flooding from natural disasters. 

3. Factors to Consider When Driving in New York

Choosing the right auto insurance policy goes beyond selecting the policy with the lowest premium. Local area drivers must also consider nearby driving hazards when choosing auto insurance coverage to safeguard their financial interests. The following are a few examples of location-specific traffic concerns Amityville’s drivers face. 

• Traffic Congestion
• Inclement Weather and Snowstorms
• Commuting to and From New York City
• Coastal Flooding Possibilities
• Tourist Traffic
• Ongoing Road Construction

Protect Your Ride with Essential Auto Insurance Coverage

Contact a licensed insurance agent at Acme Insurance Brokerage in Amityville to take proactive steps to protect your vehicle from theft, vandalism, natural disasters, and auto collisions. Knowledgeable agents are standing by to answer your auto insurance-related questions and offer you a quote! 

Acme Insurance Brokerage knows that many people in Amityville, NY, and its surrounding areas work second jobs, including gig work, such as driving for Lyft or Uber. Whether personal auto insurance covers you while you drive at your gig has become a common question among gig workers.

Personal Auto Insurance Covers You Off the Clock

The personal auto insurance you purchased to register your vehicle does not automatically include coverage for driving as a gig worker. You need to add a rider called rideshare insurance for full coverage. It only covers you while you drive for personal reasons.

Uber and Lyft Provide Some Coverage

The rideshare apps Lyft and Uber provide some coverage for their drivers. According to Car and Driver, the rideshare app coverage only protects you with an active rider request or a rider in the vehicle.

You need to add rideshare insurance to your auto policy to cover you when you have the app open but have yet to accept a ride request. The app’s insurance provides you with liability coverage at this time but not with collision or comprehensive insurance coverage. If you cause an accident, you will get stuck with the repair bill for your vehicle. If a deer runs out in front of your vehicle, you would not be covered without rideshare coverage.

Personal Auto Coverage Doesn’t Apply Once You Open the App

If you decide to take a lunch break and close the app, logging out in the process, your personal auto insurance covers anything that happens during lunch. While you remain logged out of the ride-sharing app, your personal coverage protects you.

Contact Acme Insurance Brokerage Today

Contact Acme Insurance Brokerage today to add rideshare insurance to your personal auto coverage. Don’t drive unprotected in and around Amityville, NY.

Choosing auto insurance is one of the most important things if you own a car. However, it might not be easy because there are many insurance options. If you are currently shopping for car insurance, here are the questions you should ask an insurance agent to make the right choice. 

What Questions Should You Ask an Insurance Agent When Choosing Auto Insurance?

The purpose of any insurance agent is to help you find the perfect insurance option based on your budget and needs. However, it would be best if you asked them the right questions:

• What does my insurance cover? It is essential to understand that different insurance companies have different insurance options. Ask an insurance agent about coverage options before buying any insurance plan. 
• If my car is totaled, how much money will I receive? If you get involved in a car accident, you want to ensure you receive a fair claim check. For this reason, you should discuss in advance the amount you will be paid if your car is totaled. 
• Who else besides me can drive my car? You should always ask an insurance agent who may or may not be considered a secondary driver on your auto insurance. This will help you avoid issues with your insurance and claims in the future. 

Acme Insurance Brokerage – Trustworthy Insurance Company Serving Amityville, NY

Are you searching for auto insurance in Amityville, NY, or any other nearby town in New York? Do not hesitate to contact Acme Insurance Brokerage – a local insurance company specializing in different types of insurance, including auto insurance. Our qualified and knowledgeable insurance agents will help you find an insurance plan to address your personal insurance needs and provide the coverage you deserve. Please do not hesitate to contact us to know more details. 

Why complicate your life? Driving without car insurance does just that. Every state except Virginia and New Hampshire requires insurance and proof of financial responsibility to drive on public roads or own a car. Driving uninsured is a crime. Contact Acme Insurance Brokerage in Amityville, NY, and allow them to explain further why it is foolhardy to risk a license suspension, hefty fine, or possibly jail time.

The penalties will vary from state to state but are consistently tough. You will probably lose your license, receive a costly ticket, have your vehicle impounded, or pay hundreds of dollars in potential fines. The penalties are tougher if you are in an accident or committing another violation, such as driving under the influence of drugs or alcohol or speeding.

It is even illegal to drive out of a dealership’s lot without an active insurance policy. You cannot be without it if your car is parked or driven on public property.

If you have a current policy, your insurer may grant a grace period of up to 30 days after the payment is due, allowing you to pay your premium and avoid a lapse in coverage. After the grace period is exhausted, allowing your coverage to lapse will lead to higher premiums in the future. Your car will still be covered during the grace period, however.

If you find you do not need to drive your vehicle for some time, it does not need to be insured if it is parked on private property or garaged.

It isn’t worth the risk and aggravation to drive unprotected. The consequences can fill your life with distress and worry. Contact the Acme Insurance Brokerage today, so that does not happen.

As auto policies evolve to provide more benefits, the team at Acme Insurance Brokerage is here to guide residents in the Amityville, NY area through the policy selection process. We understand that choosing the right auto insurance policy for your needs can often be confusing. Let us help!

What features does your auto policy provide?

You may have more protection and benefits than you realize when it comes to auto insurance policies. Today’s policies can offer everything from roadside assistance services to coverage for rental cars if your car has been damaged or destroyed in a covered accident or incident. Auto insurance can be more than just protection from accidents or theft. 

We find that our clients are often paying for features that they don’t use and are unaware of! If you haven’t taken a close look at your policy and its benefits, now is a perfect time to do so! You may have features that you aren’t taking advantage of. Reviewing your vehicle policies is always a great idea.

If, after your review, you find that there are additional features that you would like to have, it may be time for an upgrade! Today’s policies can be comprehensive and provide a high level of coverage and protection. If you want exceptional coverage, now is a great time to find out what features are available in our area.

Learn more about your auto policy options today!

Acme Insurance Brokerage is here for the Amityville, NY community. If you have questions about insurance, we can help! Give us a call, or stop by our office to learn more about your insurance options.

If you own a car or have plans to purchase one soon, you’d better heed the advice by Acme Insurance Brokerage in Amityville, NY, and purchase auto insurance. Obtaining auto insurance offers you a wide range of benefits — some of which have been highlighted in this post. 

Liability protection

Regardless of your driving experience, there’s a possibility of you crushing other vehicles on the road or hitting pedestrians. If this does happen, you can be held responsible since it is your car that caused the mess. 

You’d be required to bear the costs of repair (if other cars were damaged) and treatment costs (if anyone was hurt). Since you weren’t ready for such costs, they can significantly inconvenience you. However, with auto insurance, your insurer would offer a helping hand. 

Compliance with the law

In New York, it is a requirement by the law that you obtain auto insurance when driving on public roads. Driving without proper insurance coverage has many consequences such as:

• Getting your driving privileges suspended
• Incurring a fine of up to $1,500 and an additional $750
• Getting your car impounded 
• Facing a 3-month jail term

Protection of your asset /car

If your motor vehicle suffers damages due to accidents, fire, or other covered perils, your insurer will step in and bear the repair costs. And if the car is damaged beyond repair, the insurance company will replace it with a new one.

Medical Payments

If you cause accidents that result in injuries while driving, your auto insurance company will pay the costs of treatment for those injured, and this will save your pocket significantly. Similarly, if you or your passengers sustain injuries following an accident, MedPay or PIP coverage pays for the medical costs.

Buy Auto insurance today

Anything can happen on the highways when your least expect it. Don’t assume that you are a pro driver who doesn’t need auto coverage. Instead, be wise and contact Acme Insurance Brokerage in Amityville, NY for an affordable auto insurance quote.  

What comes to your mind when you come across the term collision insurance? Perhaps, you think that it’s a coverage that caters to every bill after a car crash. That’s not any further from the truth.

Collision insurance coverage only pays for car repair or replacement when involved in a collision with another vehicle or object, such as a fence. The policy may also cater to expenses incurred if a noninsured or underinsured driver hits your car.

Is Collision Insurance Mandatory

While collision insurance is not mandatory in Amityville, NY, lenders will require you to have the coverage to lease a vehicle.

What Does Collision Insurance Entail?

Collision coverage covers the expenses incurred after car damages resulting from;

• A crash caused by another driver
• If your vehicle hits an object
• When another driver hits your car and lacks enough insurance to cater to the incurred costs

Nonetheless, you must prove that the other driver was at fault for the accident before filing a claim.

What is Not Included in Collision Insurance?

Collision coverage does not include;

• Damages to your car as a result of situations that are not related to driving, such as theft, fire, or hail
• Medical bills resulting from an accident
• Damages to another person’s car

What is Collision Coverage Deductible?

The collision deductible is the amount deducted or subtracted after a collision claim depending on your chosen amount. However, you must ensure that the damages’ cost must be lesser than the deductible amount for the insurer to pay for the damages.

Contact Acme Insurance Brokerage for Collision Coverage

You can trust us at Acme Insurance Brokerage for quality collision coverage in Amityville, NY. Having insurance gives you peace of mind while on the road, knowing that your expenses are covered if the unthinkable happens. Contact us today for further advice on the same and to get a quote. 

Driving a car is a very common task for those that are in the Amityville, NY area. When you are a car owner in this area of New York, it is important that you get a good auto insurance policy. There are several benefits that come when you get this type of insurance for your vehicle. 

Receive Coverage to Protect Vehicle

One of the advantages of getting an auto insurance policy is that it will protect your vehicle. When you buy a car, you are going to be making a big investment that you should always do your best to protect. The best way that you can do this is by getting an auto insurance policy. When you get a policy with comprehensive and collision coverage, you will receive protection for a variety of situations that could result in a loss.

Receive Liability Protection

Another advantage of getting an auto insurance policy is that you will receive liability protection. If you drive a car and cause an accident, it will be up to you to pay for the damages. Fortunately, you can offset this risk by getting a full auto insurance policy that includes liability coverage. Having this coverage is also a requirement if you want to drive on a public road. 

Ultimately, those that are in the Amityville, NY area will need to have auto insurance at all times. When you are looking for a policy that is ideal for your situation, it would be a good idea to call the Acme Insurance Brokerage. When you call the team at the Acme Insurance Brokerage, you can learn a lot more about how auto insurance can protect your vehicle. They can then work with you to build a policy that is ideal for your situation.