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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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3 Auto Insurance Tips Every Driver Needs to Know

As a New York driver, you’re required to have auto insurance. It can be tempting to just get the first policy that comes along, but it’s better to do a little research and really understand the coverage you’re purchasing. Here are three tips to getting the most out of your coverage:

Know Your Policy

Your policy has several parts to it. Make certain you understand your deductible (the amount you’re responsible for paying before insurance begins coverage). Typically the higher the deductible, the lower the cost of your policy. There is typically a maximum that your policy will pay out in certain situations, such as in the event of an accident or injury that you cause, which is referred to as your liability insurance. You can also purchase additional coverage, including collision insurance, which covers accidents, and comprehensive coverage, which covers other damage to your car. If you’re not familiar with your policy, you can contact an insurance agency such as NY Twin Bridges Insurance Agency in Albany, NY for information on your coverage. 

Ask Questions

The ins and outs of auto insurance can be confusing. If you’re unclear as to what your policy covers, ask questions. Make sure that you’re clear about what your policy does and doesn’t cover, and what your financial responsibility is in case of an accident. Try not to just base your decision on the premium (the amount you pay for your coverage). Take into account the actual coverage as well. 

Shop for Quotes

Don’t settle for the first quote you come across. Different companies will have different price points, so it’s in your best interest to shop around for coverage. Once of the easiest ways to shop for coverage is through an insurance agency like NY Twin Bridges Insurance Agency in Albany, NY. They work with different carriers and can help you find the best quote and coverage for your needs. 

Organization During Retirement: How to Move Forward

Retiring opens up a world of possibilities when it comes to how to handle the next steps, and this type of freedom can either be thrilling or terrifying. Some people vastly underestimate just how long it will take to adjust to a very new lifestyle. If you’re wondering how to plan ahead during this particularly uncertain time, NY Twin Bridges Insurance Agency has a few tips for you when it comes to moving forward with your life. 

Set Your Goals 

Retiring is going to be radically different to how you used to structure your days, and that type of major change can be difficult to adjust to at any age. If you live in Albany, NY, you need to be able to chart out your time in a way that makes sense for you. One of your goals should be to get the financial stability that you need to cover anything that may come your way. From unexpected illness to a family emergency, retirement insurance can serve as an extension to your current coverage so you can take care of all your obligations and responsibilities (without dipping into your savings.)

Find Help 

To ensure that all of your finances are properly managed, call NY Twin Bridges Insurance Agency today to ask us more about how retirement insurance can work for you. It’s not that pensions and savings aren’t helpful during this time in your life, but you may need more coverage to prepare for those truly rainy days. If you live in Albany, NY, it’s time give us a call to learn more about how our plans can supplement the precautions that you’ve already accumulated. We can help you take advantage of all the potential ways to safeguard your wealth from the disastrous events that may occur.