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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Things You Need to Know About Commercial Vehicle Insurance

If your business has commercial vehicles as part of a fleet, then you need to consider getting commercial vehicle insurance. The insurance will need to cover both your commercial vehicle and the driver, even if they are using their own vehicle for work. Their personal insurance is usually not enough to cover any incidents. To better protect your business in Albany, NY, you need to invest in commercial vehicle insurance. These are just a few things to consider when you are looking to purchase some through NY Twin Bridges Insurance Agency. 

  • The lowest price doesn’t usually come with the best coverage. While looking for the lowest rate will help your bottom line in the present, if you ever need to use your commercial vehicle insurance, it will hurt you in the long run. You want to find the best policy at the lowest price and just because it is inexpensive doesn’t mean it is a good policy. 
  • Get the right insurance for your vehicles. There are many different types of insurance policies based on the type of vehicles you have and their use. Make sure you get a policy that meets your needs specifically. 
  • You should take the time to screen your drivers. Since you will be putting these people on your policy, in order to keep your costs low, you need to make sure you have reliable drivers. This means they should have a clean driving record. You should make it a standard to check these things before adding them to your policy. 

Now that you have a better idea of what to look for in a commercial vehicle insurance policy, you can start getting quotes. Contact NY Twin Bridges Insurance Agency, serving Albany, NY, for your free quote and more information. 

Five tips on finding the right home insurance policy for your unique situation

Home insurance is a very important purchase that could have a huge impact on your financial future. 

The following are five things you can do when shopping around for insurance on a new home to ensure that you choose the right policy for your situation:

Discuss the issue with your real estate agent

As a professional in the real estate industry, your real estate agent can probably give you some helpful advice. Your real estate agent should know a lot about you by now, so he or she should have a good idea of what insurance policy you need.

Discuss the issue with the previous homeowner

Another great source of information on effective home insurance is the previous owner. If possible, discuss insurance options with the previous owner and ask about any special considerations you should take into account for insuring this particular home.

Work with an insurance provider of whom you’re already a customer

It’s always a good idea to bundle insurance together. If you already purchase auto insurance from a provider like NY Twin Bridges Insurance Agency that also offer home insurance, check out their policy options. Not only can you enjoy a discount for bundled insurance, but you might find that the insurance provider goes out of the way for you out of thanks for your loyalty.

Do your research

There are many different home insurance policies out there. You can’t be sure that you’ve gotten the best one for your unique situation until you’re aware of all teh options.

Consider the risks that apply to your location

One of the most important things you think about is what natural disasters are most likely to cause damage to your new home in Albany, NY.