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Emerling Agency, LLC Blog: auto insurance

View the latest blog posts from Emerling Agency, LLC.

Teens are new drivers. They lack necessary skill and experience behind the wheel. Everyone has to learn, but the process requires some extra effort today. This is why many state governments put restrictions on teen drivers. If you are a parent, you should know what these laws are and why they matter. READ MORE >>

Nobody likes to think about getting into a car accident, but it can happen to any driver at any time. Taking time in advance to think through the steps to follow after an accident can help keep you and your passengers safe and simplify the process of filing an insurance claim. READ MORE >>

With the rise of mobile device usage, distracted driving is a significant problem.  Here's a look at some alarming statistics: Each day in the United States, approximately 9 people are killed and more than 1,000 injured in crashes that are reported to involve a distracted driver. READ MORE >>

Spring is a time of renewal and refreshment for so many aspects of our lives and households. It stands to reason that this season of new growth and great weather can also mark an ideal occasion to start cleaning out your car and taking care of any upkeep it may need. READ MORE >>

My roommates both have their own auto insurance- why do I need to get their drivers license and DOB for my own auto quote?  We get this question all the time.  Being an Independent agent, we are able to find the most competitive rate with the best coverage for our clients. READ MORE >>

You parked in the wrong location. You have a ticket to show for it. Will this raise your auto insurance costs? In most cases, tickets like this do not put your license at risk. They often do not impact your auto insurance rates either. There are a few things to keep in mind, though. READ MORE >>

October- January are the most common months for deer hits in New York.  These are the most common questions from readers about deer-vehicle collisions and their car insurance policies. I hit a deer. Am I covered? To be covered for a run-in with a deer, you need to have comprehensive coverage as part of your car insurance policy. READ MORE >>

Comprehensive (often referred to as "other than collision") coverage is one type of protection available on an auto insurance policy (others being collision, uninsured motorist, etc.). Comprehensive coverage pays only for damage caused by an event other than collision, including: Fire Theft READ MORE >>

Insurance Myth: Older cars are cheaper to insure- FALSE! Car insurance rates for all vehicles vary depending on several factors, such as who drives a vehicle, garaging location, and its annual mileage.   READ MORE >>

Motorcycles made up just 3 percent of all registered vehicles in the United States in 2015, but motorcyclists were 29 times more likely than private passenger occupants to die in a motor vehicle crash and five times more likely to be injured, according to statistics from the National Highway Traffic Safety Administration (NHTSA). READ MORE >>

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