Get Auto insurance from Oneprime
Oneprime auto insurance is more than quality coverage for your car. With access to innovative tools, money-saving discounts and a local agent, it’s easy to make sure you’re covering all your bases. Read on to see all that Oneprime has to offer.
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Determining the optimal amount of auto insurance coverage for your specific needs is a critical decision, here is what you need to know about auto insurance
At Oneprime Insurance Brokerage, our core mission is to simplify the local car insurance buying process for our valued customers.
We offer an array of services, including :
3. Full registry services, thereby providing a one-stop-shop solution to all your car insurance needs.
About Our Auto Insurance Services
Our insurance policies cater to drivers with various types of driving records and experience, offering the most competitive prices and lowest down payments possible. Our New Driver’s Program is tailored to help new drivers secure coverage at unbeatable prices. We specialize in hard-to-insure cases, such as OUI, missed payments, non-payment cancellations, and driving record points, providing inclusive coverage to everyone. At Oneprime Insurance Brokerage, we understand the high cost of car insurance, especially for new drivers. Therefore, we offer discounts and personalized assessments to determine the most suitable coverage that fits your budget. Our experienced agents are dedicated to ensuring that you receive the most appropriate coverage for your specific needs and requirements. If you are currently seeking affordable auto insurance policies in NY, Oneprime Insurance Brokerage is the ultimate destination for you.
Why And What Is Covered ?
Auto insurance is a type of insurance policy that is designed to protect drivers financially in the event of an accident. In the state of New York, auto insurance is mandatory and required by law to operate a vehicle on public roads.
The main purpose of auto insurance is to provide liability coverage. Liability insurance covers the cost of damages or injuries that you may cause to others while driving. If you are found to be at fault in an accident, your liability insurance will pay for damages to the other party’s vehicle or property, as well as any medical expenses or other costs associated with injuries sustained in the accident.
In New York, the minimum liability insurance requirements for auto insurance are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. However, these minimum requirements may not be sufficient to cover all of the costs associated with an accident, particularly if the accident involves multiple vehicles or causes serious injuries.
For this reason, many drivers choose to purchase additional coverage beyond the mandatory liability insurance. Optional coverages may include:
- Optional Basic Economic Loss coverage. It is an optional add-on to an auto insurance policy that provides additional coverage for economic losses, such as lost wages, medical expenses, and related costs that may arise as a result of an accident. In New York, OBEL coverage is available as an option in addition to the mandatory liability coverage. The coverage amount for OBEL is typically $25,000.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection in the event that you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
- Personal Injury Protection (PIP): This coverage provides coverage for medical expenses and lost wages for you and your passengers in the event of an accident, regardless of who is at fault.
- Collision Coverage: This coverage pays for damages to your own vehicle if you are involved in an accident, regardless of who is at fault.
- Comprehensive Coverage: This coverage pays for damages to your vehicle caused by events other than collisions, such as theft, vandalism, fire, or natural disasters.
- Full Glass Coverage is an optional add-on that provides coverage for the cost of repairing or replacing broken glass on your vehicle. This coverage typically covers all of the glass on your vehicle, including your windshield, windows, and mirrors. Full Glass Coverage may be subject to a separate deductible, which is the amount you pay out of pocket before your insurance coverage kicks in. With Full Glass Coverage, you may be able to repair or replace broken glass on your vehicle without incurring any out-of-pocket expenses beyond the deductible.
- Roadside Assistance: This coverage provides services such as towing, lockout assistance, and tire changes if you experience a breakdown or other covered event while driving.
When purchasing auto insurance in New York, it’s important to shop around and compare quotes from multiple insurance providers. The cost of auto insurance can vary widely based on factors such as your driving history, location, and the type of car you drive.
In addition, it’s important to understand the terms and conditions of your auto insurance policy, including any deductibles or limits on coverage. You should also make sure to update your insurance policy if you move or purchase a new vehicle, as this can affect your coverage and rates.
Overall, auto insurance is an important type of insurance coverage that can help protect you financially in the event of an accident. By understanding the different types of coverage available and shopping around for the best rates, you can find an auto insurance policy that provides the coverage you need at a price you can afford.
Contact us today for a tailored quote that fits your budget and provides comprehensive coverage that you can rely on.
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