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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Why do I need auto insurance in Albany?

If you live in the Albany, NY area, you will likely want to own a car. When you are a vehicle owner in this state, you will find that it is a lot easier to get around town and complete all the tasks that you need to handle. If you are interested in getting a new car, it would be helpful to also think about insurance. There are several reasons why someone here needs to have auto insurance.

Insurance is Legally Required

A key reason that people in this area of New York will need to have auto insurance is that it is legally required. When you want to drive a car in this state, you need to abide by New York’s laws that require you to carry liability insurance at all times. If you do not maintain this coverage and you are caught driving without it, you could face some penalties. 

Insurance Will Protect Car

You will also need to get an auto insurance plan when you are here because it can protect your car. If you do purchase a vehicle, you will want to know that it is properly covered and protected. A great way that you can do this is by getting auto insurance with collision and comprehensive protection. With this coverage, you will know you are protected if your car is stolen or damaged.

If you are going to get an auto insurance plan in the Albany, NY area, it would be a good idea for you to call the NY Twin Bridges Insurance Agency. The team with the NY Twin Bridges Insurance Agency can offer you the guidance that is needed to understand your options. They can then help you build a policy that properly addresses your needs. 

Do I need auto insurance in Albany?

If you are a resident of the Albany, NY area, you will benefit from all of the great professional opportunities and local amenities. To ensure that you can enjoy these benefits as much as possible, you should invest in a car. When you are a car owner here, you will have a much easier time getting around. Along with a car, you should also get insurance for the car. You need this coverage for a couple of different important reasons.

State Will Require Coverage

Those that are in Albany and the rest of the state of New York do need to consider the state insurance requirements when shopping for coverage. Similar to rules in other areas of the country, New York does require that drivers carry liability insurance at all times. If you do not maintain this insurance, you will end up being penalized when you are caught. This could lead to a ticket, loss of license, and higher insurance costs in the future.

Lender Will Require Coverage

Many Albany car buyers will want to take out a loan when they buy it. If you do decide to finance your car with a loan, you will want to make sure that you understand the lender’s insurance rules. When you get a loan, the lender usually will require that you protect their collateral by getting a full policy that also includes collision and fully comprehensive coverage.

Car owners in Albany, NY basically always need to have auto insurance. If you would like to shop for a new policy in this area, it would be a good idea to speak with NY Twin Bridges Insurance Agency. At the NY Twin Bridges Insurance Agency, you will get the guidance and support needed to choose a policy that meets your needs. 

Why should I get auto insurance in Albany?

Those that are in the Albany, NY area will need to make sure that they properly evaluate all of their personal insurance needs. One form of insurance that all people should consider getting is auto insurance. There are several reasons why you should get an auto insurance policy when you are in this area of New York.

Insurance is a State Requirement

One reason that you should get auto insurance when you are in New York is that it is a requirement of state law. In New York, all people that drive their car on a public road are required by law to carry liability insurance at all times. With this type of coverage, you will be protected in the event you cause an accident while you are driving. If you do not have this protection in place, you could be penalized or even lose your driver’s license.

Insurance Protects Asset

Another reason to get auto insurance in New York is that it can protect your asset. Owning a car is a necessity for a lot of people in this area of the state. Due to this, you should make sure that you protect your asset. If you get an insurance policy that includes both collision and comprehensive protection, it will give you coverage if your vehicle is stolen, damaged or you incur another type of loss.

You need to make sure that you get proper auto insurance when you are in the Albany, NY area. If you are going to get this type of coverage, you should speak with someone that is experienced and has helped others in the area choose a policy. The team at NY Twin Bridges Insurance Agency can be a great resource for your insurance needs. NY Twin Bridges Insurance Agency will evaluate your situation to ensure you get a policy that is right for you. 

Smart Tips for Updating Your Auto Insurance

Changes in your Albany, NY home, personal situation, or family can affect your auto insurance coverage. That’s why it’s important to review your policy regularly to make sure it’s still in line with your current circumstances. You don’t want to be paying for unnecessary coverage or missing out on valuable protection or discounts on your policy. At NY Twin Bridges Insurance Agency, we recommend you update your policy if:

You Get Married

Once married, you and your spouse can combine your auto insurance into a multi-car policy for greater convenience in keeping track of your coverage. Combining your coverage also makes you eligible for a multi-car discount, saving you money on your insurance premium.

Your Teen Gets His License

All drivers in your household should be listed on your policy to be fully protected against accidents. Once your teen gets his license, he needs to be added to your policy, unless you want to purchase a separate policy to protect him on the road.

You Purchase a New Home

If you purchased a new home, you may want to bundle your home and auto policies together to qualify for a discount on your insurance coverage. If your home is in a safe, crime-free location, you may qualify for further discounts on your auto and home policies.

You Buy a New Car

Your new car will need to be added to your insurance policy to be included in your coverage. Depending on the value of your vehicle, you may want to increase your coverage to ensure you’re fully protected against any eventuality. Consult with your insurance agent at your earliest convenience concerning updating your insurance to include this costly investment.

To update your auto insurance coverage in Albany, NY, call or visit NY Twin Bridges Insurance Agency today.

How Much Auto Insurance Coverage Do I Need?

The amount of auto insurance coverage you need depends on many factors, including the value of your car, your financial situation, driving habits, and age. If you are not sure, how much you should spend on insuring your vehicle, NY Twin Bridges Insurance Agency serving Albany, NY has prepared the list of questions that will help you to decide:

1. What Assets Do I Need?

The more assets you have, the more you should spend on your car insurance. Your liability insurance should be high enough to cover the total value of the net worth. 

2. What Type of Car Do I Drive?

Some cards require more coverage than others. For example, the bodywork of a sports car costs more than repairs of a regular vehicle. Moreover, sports cars are at higher risk to be stolen. Therefore, if you are a lucky owner of this type of car, you need more expensive insurance. 

3. How Much Do I Love My Car?

If you really love your vehicle and want it looked and fixed perfectly, then you should probably consider the fullest range of insurance, including glass, collision, and comprehensive coverage. Yes, this means you will have to spend more money, but it is also a guarantee that your vehicle is fully protected.

However, regardless of how much money you decide to spend on your auto insurance, it is also important to know that the state of New York requires all car owners to carry at least minimum liability insurance. 

If you are searching for the best coverage for your car and want it to be protected, NY Twin Bridges Insurance Agency serving Albany, NY is ready to guide you through all the options available. Call us today to talk to one of our experienced agents. 

Insurance add on options available for auto insurance

As a driver in the  Albany, NY area, you know that certain types of auto coverages are required by state law. What drivers often miss when purchasing an auto policy, are the various add on policy options that can provide additional coverage to drivers and their passengers. The agents at the NY Twin Bridges Insurance Agency have put together a list of essential policy options that one should consider when purchasing an auto policy. 

Collision Coverage 

Although your policy will cover damage to other peoples’ vehicles when you are at fault in an accident, it does not cover damage to your car. Collision coverage will cover the cost to repair or replace your vehicle after an accident. If you own an expensive luxury car, this is an essential add on to consider. 

Emergency roadside coverage 

Breaking down on the side of a highway at night can be scary. Emergency roadside coverage will give you the peace of mind that you will be assisted quickly.

Rental car coverage 

In the event your car is in an accident and has to go into the body shop for repair, rental car coverage will reimburse you for the cost of the rental car. 

Rideshare coverage 

If you are a driver for one of the rideshare companies, it is critical to consider this valuable coverage. The coverage provided by your company typically only covers you when you are on a trip with a customer. However, rideshare coverage will cover you in the event you are logged into the application waiting for your next pick up request. 

Pet coverage 

If you ride with your pet, often, you may want to consider pet coverage. Pet coverage will help with the vet bills in the event your pet is injured in an accident. 

If you are interested in learning more about auto insurance, reach out to an agent at the NY Twin Bridges Insurance Agency today. We proudly serve the Albany, NY area. 

Will my auto insurance cover unlicensed drivers?

Every driver in Albany, NY is required to be insured at the state minimum levels. Unlike most other states, New York is a no-fault state, which means that the insurance companies reimburse the respective drivers for the damages and injuries in an accident without worrying about who was actually at fault in the accident.

At NY Twin Bridges Insurance Agency, we help our clients find the best policy and coverage to suit their own needs. Most people don’t feel they need more than the minimum, but some prefer extra coverage in case the claim is more serious or if they want extra kinds of protection.

But what happens if the person in an accident does not have a valid driver’s license, and is not even legally entitled to be on the road? New York allows unlicensed people to register vehicles, but they are not allowed to drive those vehicles until the individuals are properly licensed. Most insurance companies prefer not to sell a policy to an unlicensed driver because it could end up in liability issues for the insurance company.

If you lend your vehicle to a friend without a driver’s license, thinking your insurance will cover any accidents, you could end up being liable for any damages caused by your friend. It may feel unfair, but you need to make sure your friends and relatives are licensed before you lend your vehicle to them.

Driving in Albany, NY is a necessary fact of life for any, and it is important to be protected. If you are worried you may not have enough protection in your own policy, or if you just have any questions, please feel free to call  NY Twin Bridges Insurance Agency today.

What auto insurance do I need if I am a ride share driver?

Ridesharing has become big business. It is not only very convenient but it is considerably less expensive than taking a cab and in general, the coverage area is much more extensive. It is a great way to get around and it is also a great way to earn some extra income or even to do full time. You do need to use your own vehicle however and so the question of what kind of auto insurance you need as a rideshare driver in Albany, NY is vital. At NY Twin Bridges Insurance Agency we have the experienced staff to help make sure you have the coverage you need.

New York State enacted TNC (Transportation Network Company) laws, these require a rideshare driver to carry $1,250,000 in liability coverage per accident when they have a passenger in their car. UBER provides this insurance to their drivers while they have a passenger in the vehicle, Lyft provides $1,000,000 which means you are going to need to have the additional $250,000 of required insurance on your own.

Both companies also offered some liability coverage while you have the app on but have not yet accepted a ride or on the way to pick up the ride. However, when your app is not on, you are required to carry the minimum amount of insurance required by the state of New York or by the company or bank who holds your loan or lease. You must carry $10,000 property damage, $25,000 bodily injury with a max of $50,000 and $50,000 per death up to 2 people. If you have a loan or lease you will also need collision and comprehensive insurance.

All of these figures and facts can be complicated. It is important that you as a rideshare driver have all the coverage you need. At NY Twin Bridges Insurance Agency in Albany, NY we are here to help you make sure that you are protected. Give us a call or stop by our office for a no-obligation quote.

Auto Insurance Additions That Make Your Life Easier

When you’re in an accident, your car insurance is a vital component of your recovery plan. However, you don’t have to wait for a vehicular crisis to get real value from your coverage. Here are some perks that the experts at NY Twin Bridges Insurance Agency can add to your Albany, NY area auto insurance contract that make your everyday life just a little easier.

  • Roadside assistance. Running short on gas, blowing a tire on the freeway, or locking yourself out of your car doesn’t have to be a tragedy. With roadside assistance, you’re always one phone call away from fast and friendly relief.
  • Travel discounts. From restaurants to motor lodges, your insurance company often works with other businesses to provide discounts and other advantages to their drivers.
  • Navigation assistance. Getting around isn’t always easy. Your insurance company may offer complimentary or discount navigation services that make road trips safer and more fun.
  • Gap insurance. That shiny new car starts to lose value the second you drive it off the lot. What happens if your vehicle gets totaled long before you pay it off? Gap coverage ensures you won’t ever have to pay out-of-pocket if your car gets irreparably damaged, even if you’re still paying on it.
  • Bundle discounts. Your car isn’t the only thing you use insurance to protect. When you buy your life, home, and auto insurance from the same agency, you can realize big savings on your premiums.
  • Umbrella coverage. There are times when your primary auto coverage isn’t quite enough. For those times, an additional umbrella policy ensures you always have enough to rebuild, rebuy, and regroup.

NY Twin Bridges Insurance Agency customizes auto insurance policies for businesses and residents in the Albany, NY area. Contact their offices to learn more about making the most out of your auto insurance.

How To Make Sure Your Auto Insurance Is Right For Your Family

It’s important to feel protected when you’re on the roads of Albany, NY. One of the best ways to feel protected is with auto insurance that you can depend on. There are a few ways to ensure that your insurance meets the needs of your family. Our independent insurance agents at NY Twin Bridges Insurance Agency can assist with this, too.

Meet State Minimums

First and foremost, you have to make sure that you meet the state minimums for auto insurance in New York. This is all about the liability coverage that you have to have. If you have a lienholder on your lease or purchase, they may have certain minimums of coverage that you have to adhere to as well.

Explore Added Coverage

Added coverage is where you can determine to go above state requirements. If you have teen drivers, you may want to bump up the liability coverage so that you’re not caught without enough coverage to take care of an accident. You may also want to get collision coverage if you have hit something on the road, such as a guard rail. If you have had windshield damage or been involved in a hit and run, comprehensive coverage can make a lot of sense, too.

Work with an Insurance Agent

An insurance agent will help you with the various components of insurance. They can recommend certain insurance products to keep you and your family protected on the road. They’ll identify what the cost of insurance is and provide quotes from different insurance companies. This way, you can balance coverage with cost to feel more comfortable with the policy that you ultimately get.

Call us at NY Twin Bridges Insurance Agency to discuss your auto insurance needs. We can customize a policy to give you the protection that you need in Albany, NY.