In the U.S., most states implement a mandate on car insurance. If you plan on driving a car, it’s a smart choice to make sure you at least have basic protection. Auto accidents are among the most common causes of injury not only in the United States, but worldwide. Also, damages to your car can range from an easy fix to thousands of dollars in repairs. Without car insurance, you can find yourself not only lacking transportation, but stuck in a financial hole. Becoming insured with an auto insurance provider you can trust guarantees you’ll only have to deal with the deductible.
Pick and Choose
Like most types of insurance, auto insurance is designed to help cover you financially in situations you can’t afford to take care of yourself. If for example, another car accidentally backs into you and breaks your headlight, you may want to handle the situation on your own. Reassembling a broken headlight can cost around $200 to $300, depending on the mechanic. In this situation, turning a claim into your insurance company wouldn’t make sense, especially if your deductible is higher than the actual repair. In the event that your car is badly damaged in an accident, your insurance will cover the cost of the repairs after you pay your deductible. With an auto insurance Saratoga NY plan, you can choose an affordable deductible that works for your budget. Depending on the amount you pay, you can save hundreds of dollars each year.
Obey the Law
Currently, 1 in 7 drivers are estimated to be operating a vehicle without insurance. If you’re found to be that 1 in 7, chances are there will be consequences – you are in fact, breaking the law. Most states treat driving uninsured as a very serious offense, and will enact one or more punishments at a time. For example, your license and vehicle registration could be suspended. You will be responsible for the cost of having both reinstated. You could receive a traffic ticket for driving without insurance, and face several fines. Repeat offenses could earn you up to a month in jail.
The Ten Eyck Group helps their clients obtain affordable car insurance deductibles to suit their income. As an insurance agency founded over 100 years ago in New York City, Ten Eyck Group has provided insurance services to people all over the country.
