Brooklyn Insurance


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Driving a standard family sedan is considerably less risky		If you and your family are fortunate enough to enjoy
than driving a flashy sports car. Your insurance rate not		extended periods of great health, you may want to
only reflects you as a driver, but also what you drive.		choose a higher deductible. For example,
When shopping for a car, keep in mind the insurance		increasing it from $500 to $1,000 will significantly reduce
premium you'll likely pay. Financing a car almost always		your insurance premium.
requires you to purchase collision/ comprehensive
coverage to protect your financer's investment. If you are		Research the various insurance plans, coverages and
leasing a car, your finance company or bank may		options. Find out which best suits you and your
require the maximum insurance coverage as a whole to		family. Don't buy more insurance than you need
protect their property, since the car is technically not		(i.e. young married couple probably doesn't need serious
yours anyway. Contact your insurance agent or your		medical coverage other than pregnancy). Consult
car's financier for more information.		an agent to answer any specific question pertaining to
		you.
By increasing your deductible you can reduce your
insurance rates significantly. Just keep in mind that if
your car actually gets damaged you will end up paying
this higher deductible to fix the damage. For example, if
that dent in your hood costs $1,500 to fix and you have a
$1,000 deductible, you'll pay that $1,000 while your
insurance company only pays $500. On the flip side, if
your car receives $5,000 worth of damage you will pay
only $1,000 and your insurance company will pick up the
remaining $4,000. The amount of your deductible
depends on what your personal financial status or
requirements may be.


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The right hobby with the wrong company could cost		Collision insurance covers damage to your own vehicle in
you. People who participate in high-risk sports or		an accident. Collision is generally optional unless
activities (such as hang-gliding, skydiving, mountain		your car is financed or leased in which case your bank
climbing, scuba diving, and racing), or even those who		or credit union, bank or lender will require collision
like to have an occasional cigar could very well pay more		coverage as a condition of the loan in order to protect
money if they dont pick the right company. Every		their interests.
company looks at risk factors differently and some are
more liberal in certain areas than others. Make sure you		Medical payments is "good-faith" coverage
work with an insurance company that has properly		that guarantees immediate medical payments for you,
matched your personal profile with their underwriting		your passengers and other parties, regardless of who is
criteria.		at fault. It also covers you and members of your
		household in any accident involving an automobile,
		whether you are on foot, on a bicycle, in a friend's car,
		etc.

Brooklyn Insurance
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