Auto

Tips for Safe Driving and Insurance Savings

Winter is a beautiful but challenging season for drivers. Cold temperatures, snow, ice, and freezing rain can make road conditions treacherous. To ensure your safety and minimize the risk of accidents during the winter months, it’s crucial to winterize your vehicle. In this article, we’ll discuss vehicle maintenance tips for safe winter driving and explain how regular maintenance can impact your auto insurance rates.

Vehicle Maintenance Tips for Safe Winter Driving

1. Check Your Tires

Your tires are your vehicle’s point of contact with the road, and they play a critical role in ensuring safe winter driving. Here’s what to do:

• Tire Pressure: Cold temperatures can cause tire pressure to drop, so check your tire pressure regularly and inflate them to the recommended levels as indicated in your vehicle’s owner’s manual.
• Tire Tread: Inspect your tire tread depth. Tires with inadequate tread are more likely to lose traction on slippery roads. Consider switching to winter tires for enhanced grip.
• Chains or Snow Tires: If you live in an area with heavy snowfall, consider using snow chains or dedicated snow tires for added traction.

2. Test Your Battery

Cold weather can strain your vehicle’s battery, making it more likely to fail. Before winter sets in, have your battery tested by a mechanic. If it’s nearing the end of its life, consider replacing it to prevent getting stranded in the cold.

3. Inspect Your Brakes

Your brakes are crucial for safe driving year-round, but they become even more critical in winter conditions. Have your brakes inspected by a professional to ensure they’re in good working order.

4. Change Your Oil

Using the right type of oil for winter conditions is essential. Switch to a lower-viscosity oil that flows more easily in cold weather. Regular oil changes are also important for engine health.

5. Check Your Antifreeze

Ensure your vehicle’s cooling system has the right concentration of antifreeze to prevent freezing. A 50/50 mix of antifreeze and water is generally recommended.

6. Maintain Your Lights and Wipers

Visibility is crucial during winter driving. Make sure all your vehicle’s lights are functioning correctly, including headlights, taillights, brake lights, and turn signals. Replace any burnt-out bulbs promptly. Additionally, replace worn wiper blades to ensure clear visibility in rain and snow.

7. Keep Fluid Levels in Check

Check fluid levels regularly, including windshield washer fluid, power steering fluid, and transmission fluid. Make sure they’re at the appropriate levels to prevent problems during winter driving.

8. Carry an Emergency Kit

Prepare an emergency kit for your vehicle that includes essentials like a blanket, flashlight, extra warm clothing, non-perishable food, water, a first-aid kit, and basic tools. You may also want to include items like a shovel, ice scraper, and sand or kitty litter for added traction.

How Regular Maintenance Can Impact Auto Insurance Rates

Auto insurance companies consider various factors when calculating your insurance premiums, and your vehicle’s condition and maintenance can play a role. Here’s how regular maintenance can impact your auto insurance rates:

1. Safety Features and Maintenance Discounts

Many insurance providers offer discounts for vehicles equipped with safety features like anti-lock brakes, airbags, and electronic stability control. Regular vehicle maintenance, including brake checks and tire rotations, can help ensure these safety features are in optimal working condition, potentially making you eligible for discounts.

2. Preventing Accidents

Well-maintained vehicles are less likely to experience mechanical failures that could lead to accidents. For example, regular brake inspections and replacements reduce the risk of brake failure. Fewer accidents mean a lower likelihood of filing claims, which can help you maintain lower insurance premiums.

3. Reducing Claims Frequency

A well-maintained vehicle is less likely to experience breakdowns, which can lead to towing and repair claims. Fewer claims mean you’re less likely to be considered a high-risk driver, which can help keep your premiums lower.

4. Increasing Resale Value

Regular maintenance, such as oil changes and brake pad replacements, can help preserve the value of your vehicle. If you ever need to file a comprehensive or collision claim, a well-maintained vehicle may have a higher claim payout, helping you repair or replace your vehicle more effectively.

5. Compliance with Policy Requirements

Some auto insurance policies may include requirements for maintaining your vehicle in good working condition. Failing to meet these requirements can result in policy cancellations or non-renewals. Regular maintenance ensures you meet these obligations, preventing disruptions in coverage.

Winterizing your vehicle is a crucial step to ensure safe and reliable driving during the cold and challenging winter months. Regular maintenance not only protects your safety on the road but can also impact your auto insurance rates positively. By keeping your vehicle in top condition, you reduce the risk of accidents, claims, and breakdowns, which can help you maintain lower insurance premiums.

Remember that good maintenance practices go hand in hand with safe driving habits. Be cautious when driving in winter weather, reduce your speed, and allow for extra stopping distance. By combining regular maintenance with responsible driving, you can enjoy a safe and cost-effective winter driving experience. Get a free quote on your insurance (NY State) by calling our team at 607-547-2951.

Protecting Students and Your Premiums

As the summer season comes to an end, it’s time for students to return to school. The start of the school year brings bustling school zones and the reappearance of school buses on the roads. Ensuring the safety of students and practicing responsible driving habits is not only a moral obligation but can also have an impact on your auto insurance rates. In this comprehensive guide, we’ll provide safety tips for driving in school zones and around buses and discuss how good driving habits can lead to lower auto insurance rates.

Safety Tips for Driving in School Zones and Around Buses

As schools reopen, drivers need to be extra cautious when driving near schools and school buses. Here are some essential safety tips to keep in mind:

1. Obey Speed Limits

Pay close attention to posted speed limits in school zones. Speed limits in these areas are typically lower to ensure the safety of students. Failing to obey speed limits can result in hefty fines and increased insurance premiums.

2. Watch for School Zone Signs and Flashing Lights

School zones often have flashing lights and signs indicating reduced speed limits during certain hours. Always be on the lookout for these signs, and slow down as required.

3. Stop for School Buses

When a school bus is stopped with its red lights flashing and the stop sign extended, you must come to a complete stop, regardless of your direction of travel. Failing to stop for a school bus can result in severe penalties, including points on your driving record and higher insurance premiums.

4. Maintain a Safe Following Distance

Keep a safe distance between your vehicle and the car in front of you, especially in school zones and around school buses. This allows you more time to react to sudden stops or unexpected events.

5. Be Alert and Avoid Distractions

Avoid distractions like texting, talking on the phone, or fiddling with the radio while driving near schools or buses. Paying full attention to the road is critical in these areas.

6. Use Extra Caution During Pick-Up and Drop-Off Times

The periods when students are being dropped off or picked up from school can be particularly chaotic. Be patient, drive slowly, and watch for children who may not be paying attention to traffic.

7. Look for Crosswalks and Pedestrians

Keep an eye out for crosswalks, and always yield to pedestrians. Students may be crossing the street on foot or on bicycles.

8. Be Mindful of School Zone Hours

School zone speed limits are usually in effect during specific hours, typically in the morning and afternoon. Be aware of these hours and adjust your driving accordingly.

9. Follow Traffic Laws

Always obey traffic laws and signals, including stop signs and yield signs. Disregarding traffic laws can lead to accidents and increased insurance rates.

10. Teach Children About Road Safety

Encourage your children to follow safety rules when walking or biking to school. Teach them to use crosswalks and obey traffic signals.

Good Driving Habits and Lower Auto Insurance Rates

Safe driving practices not only protect students and other road users but can also positively impact your auto insurance rates. Here’s how good driving habits can lead to lower premiums:

1. Accident-Free Discounts

Insurance companies often offer discounts to drivers with a clean driving record. Avoiding accidents in school zones or with school buses helps maintain your accident-free status.

2. Lower Risk Profile

By practicing safe driving habits, you demonstrate to your insurance company that you are a responsible and lower-risk driver. This can lead to more favorable insurance rates.

3. Defensive Driving Courses

Completing a defensive driving course can improve your driving skills and may qualify you for insurance discounts. These courses often emphasize safe driving practices, including those relevant to school zones.

4. Avoiding Traffic Violations

Traffic violations such as speeding or running stop signs can result in points on your driving record and higher insurance premiums. Following traffic laws is essential to maintain low rates.

5. Safe Driving Apps

Some insurance companies offer usage-based insurance programs that track your driving habits using smartphone apps or in-car devices. Safe driving behaviors can result in premium discounts.

6. Multi-Policy Discounts

Bundling your auto insurance with other policies, such as home or renters insurance, can lead to discounts. This encourages responsible behavior across various aspects of your life.

7. Maintaining Continuous Coverage

Maintaining continuous auto insurance coverage without lapses can also lead to lower premiums. Insurance companies often reward policyholders who consistently maintain coverage.

Back-to-school season brings the excitement of a new academic year but also demands increased caution on the roads. By adhering to safety tips when driving in school zones and around buses, you can protect students and other road users while also avoiding costly penalties and insurance rate hikes.

Additionally, practicing good driving habits throughout the year not only contributes to your safety but can also have a positive impact on your auto insurance premiums. Safe driving behaviors demonstrate to your insurance company that you are a responsible and lower-risk driver, making you eligible for discounts and more favorable rates. Remember that responsible driving not only benefits your wallet but also ensures the safety and well-being of everyone on the road, especially during the back-to-school season. Contact our team at 607-643-5680 for a free quote on your auto insurance and learn how we can save you money on your premiums!

Protecting Yourself On and Off the Road

Motorcycles offer a thrilling and liberating way to travel the open road, but they also come with unique risks that demand heightened attention to safety and insurance considerations. In this comprehensive guide, we’ll explore motorcycle safety tips to keep riders safe and delve into the importance of motorcycle insurance, highlighting how it differs from auto insurance.

Motorcycle Safety Tips

Riding a motorcycle can be an exhilarating experience, but it’s important to prioritize safety at all times. Here are some essential safety tips for motorcycle riders:

1. Wear Protective Gear

Wearing the right protective gear can make a world of difference in the event of an accident. Always don a DOT-approved helmet to protect your head and face. Additionally, invest in high-quality gear, including gloves, a sturdy jacket, pants, and boots, to shield your body from abrasions and injuries.

2. Regular Maintenance

Maintaining your motorcycle is critical for safety. Ensure that your bike receives routine inspections and maintenance checks. Pay attention to tire pressure, brake performance, and lighting to keep your motorcycle in optimal condition.

3. Defensive Riding

Practice defensive riding by staying aware of your surroundings. Assume that other drivers may not see you, and keep a safe following distance. Avoid riding in blind spots and always use your signals when changing lanes or turning.

4. Learn Proper Riding Techniques

Invest in professional riding courses to learn and refine your riding skills. These courses cover crucial aspects such as proper braking techniques, cornering, and emergency maneuvers. Continuous education can enhance your riding skills and boost your safety.

5. Weather Awareness

Adverse weather conditions can significantly impact motorcycle safety. Be cautious when riding in rain, fog, or snow, as road surfaces become slippery. Consider postponing your ride or reducing your speed to stay safe during adverse weather.

6. Avoid Riding Under the Influence

Never operate your motorcycle under the influence of alcohol or drugs. Impaired judgment and reflexes significantly increase the risk of accidents.

7. Be Visible

Increase your visibility on the road by using your motorcycle’s lights, wearing brightly colored gear, and applying reflective tape to your bike. The more visible you are, the better others can see you.

8. Stay Informed about Road Conditions

Stay informed about road conditions and traffic updates before embarking on a ride. Road closures, construction zones, or accidents can affect your route and safety.

9. Use Anti-lock Brakes (if available)

Anti-lock brakes (ABS) can prevent wheel lock-up during sudden stops, improving your ability to maintain control in emergency situations. If your motorcycle is equipped with ABS, make sure it’s in good working condition.

10. Ride Within Your Limits

Know your riding limits and avoid taking unnecessary risks. Don’t push your bike or your skills beyond what you’re comfortable with.

The Importance of Motorcycle Insurance

Motorcycle insurance is not just a legal requirement in most states; it’s also a vital tool for protecting yourself and your assets in case of accidents or mishaps on the road. Here’s why motorcycle insurance is crucial:

1. Financial Protection

Accidents involving motorcycles can result in substantial medical bills, property damage, and legal expenses. Motorcycle insurance provides financial protection by covering these costs, ensuring that you’re not burdened with overwhelming debt.

2. Legal Compliance

In many states, carrying a minimum amount of motorcycle insurance is a legal requirement. Failing to comply with this mandate can result in fines, license suspension, or even the impounding of your motorcycle.

3. Peace of Mind

Knowing that you’re financially protected can provide peace of mind while you’re on the road. Motorcycle insurance allows you to focus on enjoying your ride without worrying about the potential financial repercussions of an accident.

4. Liability Coverage

Motorcycle insurance typically includes liability coverage, which pays for bodily injury and property damage expenses when you’re at fault in an accident. This coverage protects you from having to pay out of pocket for others’ medical bills or property repairs.

5. Comprehensive and Collision Coverage

Comprehensive and collision coverage can be added to your motorcycle insurance policy to protect your bike. Comprehensive coverage pays for damages caused by non-collision events such as theft, vandalism, or natural disasters. Collision coverage covers repair costs if you’re involved in a collision with another vehicle or object.

6. Uninsured/Underinsured Motorist Coverage

If you’re involved in an accident with a driver who has little or no insurance, uninsured/underinsured motorist coverage can protect you. It covers your medical expenses and property damage when the at-fault driver’s insurance falls short.

7. Medical Payments Coverage

Medical payments coverage (MedPay) is similar to uninsured/underinsured motorist coverage but specifically covers your medical expenses and those of your passengers, regardless of fault.

How Motorcycle Insurance Differs from Auto Insurance

While both motorcycle and auto insurance share some similarities, there are key differences due to the unique risks associated with motorcycles:

1. Coverage Types

Motorcycle insurance policies typically offer similar coverage types as auto insurance, such as liability, comprehensive, collision, and uninsured/underinsured motorist coverage. However, the coverage limits and costs may differ significantly.

2. Premiums

Motorcycle insurance premiums tend to be higher compared to auto insurance. This is because motorcycles are generally riskier to insure due to their higher likelihood of accidents and injuries.

3. Vehicle Specifics

Motorcycle insurance accounts for the unique features of motorcycles, such as their smaller size and susceptibility to theft. These factors can influence coverage options and costs.

4. Riding Habits

Some motorcycle insurance policies may consider your riding habits when determining premiums. Factors like how often you ride, your experience level, and the types of bikes you own can affect your rates.

5. Seasonal Coverage

In regions with severe winters, riders may choose to suspend their motorcycle insurance during the off-season when they don’t ride. This is a cost-saving option not typically available with auto insurance.

In conclusion, motorcycle safety should always be a top priority for riders. By following safety tips and investing in proper protective gear, you can reduce the risks associated with riding. Additionally, having the right motorcycle insurance coverage is essential for protecting your financial well-being in case of accidents or unforeseen events on the road. Understanding the unique features of motorcycle insurance and how it differs from auto insurance will help you make informed decisions to ensure your safety and peace of mind while enjoying the open road. Call our team today for a free quote at 607-547-2951

A Short Safety Refresher for the Back to School Season in New York

There is nothing more important than the safety of our children in getting back and forth to school.  Whether they are walking, riding a bike or traveling in a school bus, it is imperative for drivers to be constantly aware, patient and exercise caution.  Take a look through the following information for a refresher on School Bus Rules of the Road.

First of all, have patience when driving.  Leave yourself extra time for your morning and afternoon commutes, especially if you travel during the typical school pick-up and drop-off times of day in your area.  School busses make frequent stops, so be prepared for this and drive carefully.  Slow down so that you can get where you are going on time and without incident.

In addition, driving in the fall and winter seasons can be slippery.  Wet leaves during the fall and snow and ice conditions in the winter and early spring can be hazardous and make it more difficult to stop safely.  The best preventative measure for an accident is to reduce your speed when driving and be vigilant about intersections, crosswalks and general travel routes to and from our local schools. Don’t follow a bus (or line of following cars) too closely.  You are at a disadvantage when you can’t see what might be ahead, and if a bus slows suddenly to avoid a hazard, you don’t want to be in a situation where you collide with the vehicle in front of you.  

When a school bus is getting ready to stop, their lights will flash yellow.  This is your indication to begin slowing down and prepare to stop your vehicle.  All traffic must stop when the lights turn to red and the bus is actively loading or unloading passengers.  This applies to cars that are behind the bus (no passing allowed) as well as to vehicles that are traveling in the opposite direction – even if it is a divided highway.  If the red lights are on and the stop sign is out, all traffic must stop until the bus gets back underway.  Your car must be at least 20 feet away from the bus when you are stopped.

Image from New York DMV – where you must stop for a stopped school bus. 

Many busses now are equipped with cameras to capture information about vehicles that pass a stopped school bus and violations can exact some hefty fines and penalties for violations. Points for driving infractions can increase your auto insurance costs and premiums, and convictions can even result in jail time.

For full information on School Bus Safety from the NYS Department of Motor Vehicles, please visit https://dmv.ny.gov/more-info/school-bus-safety.  For help with all your insurance needs, contact our team at Bieritz Insurance at 607-547-2951 or submit our web contact form at https://www.bieritzinsurance.com/contact-us/.

Parking lots contain a lot of potential safety hazards for both pedestrians and drivers. The National Safety Council (NHS) states that tens of thousands of crashes occur in parking lots and garages each year. This results in hundreds of deaths and thousands of injuries. Parking lots are busy places. Drivers can be distracted by talking or texting on their phones. Pedestrians can also become distracted as they cross the lot. Here’s what you can do to protect yourself and others while looking for a parking spot.

Follow the Signs

Watch out for signs stating specific rules for driving or parking in the lot. For intersections without a stop sign, make sure to follow the right-of-way procedures. Stay within the lanes and avoid cutting across the parking lot. Only park in designated parking areas. Parking spots with a wheelchair logo, are for drivers with the handicap card or license plate. Also, be sure to watch the direction the arrows of the pavement are pointing towards.

Stay Alert

Backing out of a parking lot requires your full attention. While backing out, do so slowly and proceed with caution. Small children tend to dart quickly around and behind vehicles. Use your rearview mirror or if equipped, your car’s backup camera system. The American Automobile Association (AAA) suggests that drivers reverse into parking spaces when possible. Also, finding a parking spot that allows you to drive forward instead of reversing can make exiting the lot easier.

Slow Down

You might be tempted to increase your speed while searching for the perfect parking spot. Take your time and follow the posted speed limit. There can be unseen hazards such as potholes, debris, or ice that can cause injury to both the pedestrian and the driver.

Parking Garages

Parking garages also contain many potential safety hazards. Poorly lit parking garages can be a difficult environment for visibility, especially at night. To ensure safety, park your car near well-lit areas. Not only will it make it easier to spot passing pedestrians, but it can also serve as a deterrent for thieves. Parking garages contain blind spots and many drivers ignore traffic signs. While driving through the parking garage, be sure to follow the arrows and traffic signs.

If you find yourself in a fender bender, don’t fret. Our team at Bieritz Insurance Agency is here to help you. We are family-owned and operated, and will provide professional and exceptional customer service. Expect to talk to real people, not machines. Contact Bieritz Insurance Agency today to speak to a team member for more information today!

As fall is approaching, it is time to start thinking about cold weather and what changes it can have on your daily life. As the winter months get closer, so does the threat of winter weather. Ensuring your car is prepared for winter weather is crucial for keeping yourself safe and your car in good shape. Here are the top ten ways to prepare your car for the winter.  

Change Your Oil/Schedule for Service

One of the most essential things to get your car prepared for the winter is to schedule for a full service appointment. This usually includes an oil change, tire rotation and a general checkup of the car’s basic functions. Regular servicing of your vehicles is a great way to ensure everything is working properly, which is especially important when preparing for winter. 

When getting your car serviced, talk to your mechanic about which oil is right for your car for colder weather. As the weather gets colder, oil tends to thicken and may not lubricate your engine as well. 

Check Your Heater and Defroster

The functionality of your heater and defroster are essential for getting through the winter. Have your mechanic inspect your heating system and defroster before the weather gets cold – just in case there is anything that needs to be fixed (before you actually need it). For example, a broken defroster can be dangerous in cold weather since it can obstruct your field of vision. 

Check Your Coolant Levels

Coolant helps to prevent your engine from freezing and cracking. It also ensures that everything stays lubricated and doesn’t become corroded. Check your coolant levels regularly to ensure proper function. You can test your coolant’s freeze protection by using a ‘coolant tester’ to make sure you are ready for cold weather. 

Check Your Tires

As the weather gets colder, the air pressure in your tires may decrease. Check your tire pressure regularly during the winter to ensure you are not at risk of getting a flat tire. Luckily, most newer cars can automatically detect low tire pressure and will notify you.

If you live in an area that is prone to heavy snow like ours, consider investing in snow tires. Snow tires will improve your traction so you can drive through snowy areas more easily. Snow tires can be used in the winter months as opposed to all-season tires which can be used for the rest of the year. If you are considering snow tires, make sure you are aware of any installation fees that may come with them. 

Test Your Car Battery

If you find yourself stuck in the snow, a dead car battery is a worst-case scenario. If you have an older battery, have your mechanic check the charge levels to ensure that it is working properly. Make sure the battery has enough water and that the connections are corrosion-free. Regardless of the health of your battery, always keep jumper cables in your car just in case (see our auto emergency kit recommendations below). 

Consider Winter Wiper Blades

For heavy snow areas, it may be necessary to invest in winter wiper blades. Regular wiper blades can easily get covered with snow which affects their performance. Winter wiper blades are usually wrapped with a rubber casing that prevents snow from sticking. Luckily, they are affordable and can be used interchangeably with your regular wiper blades. 

Lubricate Areas That Will Easily Freeze

In extremely cold weather, certain areas in your car may freeze or become stiff. Window tracks and weather stripping are the first areas to freeze since water can seep in. Once that water freezes, it can freeze your door shut and lock you out of your car. Latches, hinges and door locks are also prone to freezing. Dry Teflon spray, silicone spray or graphite lubricant all work well for use on vehicle parts to prevent freezing. 

Have a Basic Survival Kit 

Regardless of the weather, it is essential to have a survival kit in your car in case of an emergency. This is especially crucial in the winter due to blizzard conditions and icy roads. Here are some must-have items needed for every car survival kit:

• LED Flashlight
• Jumper Cables
• Hat, Gloves and Extra Shoes
• Cat Litter or Safety Absorbent
• First-Aid kit
• Tire Repair Kit
• Tire Chains
• Shovel
• Ice Scraper
• Flares and/or reflective caution road markers
  (Note: if you are using road flares, remember to practice safety when lighting them. https://www.wikihow.com/Light-a-Road-Flare

Don’t forget to bring some bottled water with you on longer trips as well.

Know What to do in Winter Emergencies

If you get stuck in the snow or caught in blizzard conditions, make sure you know what to do during an emergency. If you are stuck, stay with your vehicle and call for help. Put on extra clothing to stay warm and run the car periodically. Use flares if need be and make sure to stay hydrated. 

Four-Wheel Drive

If you have a car with four-wheel drive, ensure that you know how to use your four-wheel drive system and that everything is working properly. Since four-wheel drive systems are not used in the summer months, make sure everything activates properly beforehand. 

Overall

Overall, gearing up for the winter months may require extra maintenance and preparation for your vehicle. Taking these steps will help keep you safe and secure during the winter months, while also ensuring your vehicle is in good shape. If you are looking for insurance for your auto, please contact us today for a free quote or visit our website to learn more. 

Just like a fine wine, some of our greatest material possessions gain value over time. This is true of exceptional antique automobiles. Your antique automobile must be protected in all ways, from suitable shelter to ample insurance coverage.

When insuring an antique auto, there are many considerations to make. Equip yourself by exploring the specific aspects of selecting antique automobile insurance.

Understand the Terminology

The first step is understanding the vocabulary used when discussing collectible antique vehicles. What is the difference between a classic, vintage and antique car? 

It is important to understand that there is not a single definition that is accepted in all situations. Many state Departments of Motor Vehicles (DMV’s), insurance companies and distinctive car clubs classify the terms differently. However, there are widely-accepted distinctions between the categories that should be known:

• Antique:  The Antique Automobile Club of America denotes an antique automobile as one being 50 years old or older. (Some organizations begin the distinction at 45). This classification includes the Veteran Era, the Brass Era, and the Vintage Era. 

• Classic: The Classic Car Club of America designates cars between 30-49 years old as classic cars. 
• Historic: Automobiles may be placed in the category of “historic” or “historical vehicle” if 25 years or older or 15 years or older and no longer manufactured. 
• Vintage:  An automobile may receive this title if it was manufactured between the years 1919 and 1930. 

Understand the Qualifications

Does age alone qualify a vehicle for these classifications of distinction? Absolutely not. If this were true, every junkyard would be filled with antique and classic cars. To achieve the designation of antique, classic or historic, insurance companies are looking for these additional qualifications:

• Limited Use: The vehicle cannot be used for everyday commuting or for running errands or other common purposes. The vehicle is driven rarely and for specific reasons. You may be required to show proof of ownership of a primary car for everyday use.

• Properly sheltered: Many insurance policies require you to show that the car is adequately stored. The garage or building must protect your vehicle from the elements and the likelihood of damage or theft.

• Increase of value over time: Unlike the majority of automobiles that depreciate in value due to customary use and wear, a distinctive antique or classic car will actually appreciate over the years. This vehicle is an investment worthy of the highest levels of protection.

Understand the Process

Once you have educated yourself on the terminology and qualifications for antique vehicles, you are ready to make a wise decision in insuring your automobile. Follow these steps to achieve maximum insurance coverage:

• Know your own priorities and goals:
  Review your dreams and objectives in investing in an antique car. Do you want to enjoy the look and feel of your car for the pleasure of yourself and your family? Would you like to take the car for short rides and share it with friends? Are car shows and travel in your future? Have a clear vision of what you want from your experience in determining your insurance needs.
• Select an insurance company that understands antique cars:
  Not all insurance companies are alike. Some companies have little knowledge or experience in protecting the specialized needs of car collectors or antique car enthusiasts. Shop for companies that have a great record in classic and antique cars (like us, Bieritz Insurance!).
• Find someone who can answer your questions:
  Now that you know what you need and have narrowed your field of companies, find one that is willing to discuss all of your questions. Is the company capable of raising the coverage as the value increases? Are there members on staff that have a specialized knowledge of collectible vehicles who can address situations as they arise? Is there an adequate allowance for unique towing and repair needs?

Does the policy being offered allow for the number of car shows and travel that you will require? Coverage can vary widely on allowances for travel to car shows and other venues. These qualifications must be explicitly stated within the policy. Exclusions can be made that would preclude you from traveling to these shows, or may require towing to do so. 

You want to fully enjoy the privilege and pleasure of owning an antique vehicle. Educating yourself goes a long way in selecting the insurance coverage that is right for you. 

Don’t leave your specialized insurance needs to anyone but the professionals. We at Bieritz stand ready to share our extensive knowledge and insurance options with you. We will help you get the most out of your investment. Contact us today at our website at bieritzinsurance.com/contact-us. 

Everyone wants assurance that he or she is fully protected on the road. Most drivers understand the need for comprehensive, reputable insurance when driving their own vehicles. When you must drive a rental vehicle or operate one that is not your own, having a clear understanding of insurance regulations and coverage in these situations is vital. Don’t be blindsided by finding yourself not as fully covered as you thought. Educate yourself on how insurance works for rentals and other non-owned vehicles, and find out why Bieritz Insurance Agency is a strong choice for all of your insurance needs.

Knowledge is Power

This cannot be stressed enough. Do your research before operating any vehicle that is not your own or lending a vehicle to others. Conduct a thorough review of your own policy, and take the time to call your insurance company to review your level of coverage, especially if you are considering lending your car to someone else. Clarify the specifics of your policy, such as deductibles, coverage limitations and coverage for rental vehicles.

Honesty is Key

When speaking with your agent, be forthright. Let your agent know the specifics of your situation, even if you are considering lending your convertible to your second cousin for prom. You may know that seems risky, and may not want to be upfront, but it is critical that you review the situation with your company’s representative as fully and honestly as possible. Factors such as age or the frequency of lending may affect the car’s coverage.

Basics are important

Clarify with your provider about how your insurance coverage works, so that there is no costly misunderstanding. Also, be sure to review how insurance is applied in the main categories of operating a non-owned car:

Coverage for Rented Vehicles:

Many rental companies will lure you in with a great weekly rate, then pressure you to add on rental insurance. If you have already done your homework and thoroughly reviewed your own policy, you will be ready to make a wise decision. Under most comprehensive policies, you have coverage for vehicles that are similar to your own. However, if you are on a blowout vacation that includes a luxury or brand new vehicle, your policy for your ten-year-old sedan may leave gaps. In this case, rental insurance is wise, even if it doubles the cost of the rental. Rental companies can tack on fees and penalties in the case of an accident that won’t be covered by the renter’s insurance. Also, if you are reserving and paying for the rental by credit card, the credit card may provide secondary or gap insurance. Take time to find out.

It is important to weigh out all of these considerations when renting any vehicle. Make decisions ahead of time so that you will not succumb to pressure at the counter.

Coverage for Borrowed Vehicles:

The basic rule of thumb is, insurance follows the car, not the driver. In most situations, the insurance policy on the car will cover the car when it is borrowed. A comprehensive policy should include situations of lending or renting the vehicle. A deductible will be required. It should be worked out ahead of time who will pay the deductible in case of an accident. An awkward conversation at the beginning is better than an angry confrontation later. In all cases, make sure that the vehicle’s registration and proof of insurance is kept conveniently in the glove compartment for easy retrieval.

What if the borrowed vehicle is involved in a major accident, such as causing the pile-up of several cars? In the event that an accident exceeds the limitations of the owner’s policy, a claim can then be filed with the driver’s insurance company in order to cover the gaps. This is why it is important not to lend to an uninsured driver unless you specifically purchase short-term insurance. This insurance, known as Endorsement 27, covers “civil liability for damage caused to vehicles of which named insured is not owner” and is provided by many companies.

Considerations of the proper insurance in times of renting, borrowing or lending a vehicle are important, yet complex. If you have need to rent or hire a vehicle, turn to the professionals for guidance. Call on Bieritz Insurance Agency to provide you with the information and insurance services that you need. We offer a wide-range of vehicle coverage products and possess the knowledge to help you make decisions that will save time, money and headache, even in most challenging situations. We have the ability to offer our clients a multitude of options because we work with over twenty providers to find exactly the right product to fit the need.

Contact Bieritz Insurance today in Cooperstown at 607-547-2951 or by email at agent@bieritzinsurance.com. You may also reach our office in Morris at 607-263-5270 or at agent@morrisinsuranceny.com.

For many people, shopping for a new car is a process. Because this is a massive purchase that will last for many years, it’s imperative that you find the perfect vehicle for your needs. However, if you’re not too savvy, then how can you be sure that you’re going to get a great deal?

Fortunately, automakers and dealerships are always adding incentives to help move their stock and get people into their vehicles. Thus, if you know the best time of the year to buy a car, you could wind up saving big time as a result.

So, with that in mind, here are the best times to buy a new car.

During a Sale

It may seem obvious, but the fact is that more than a few people miss out because they don’t time their shopping experience with a dealership’s sale. Even if one isn’t happening right now, that doesn’t mean that there won’t be one later on in the year. Most dealerships have quotas that they need to fill, meaning that sales are always around the corner.

At the End of the Month

Although there are particular times of the year when buying a new car is best (more on that in a bit), if you’re going to buy one during the peak season, you want to avoid the beginning of the month.

As we mentioned, dealerships typically have quotas, which means that at the end of the month they are more motivated to sell a car than at the beginning. Thus, if you wait a couple of weeks and pick your time right, you could wind up with a lower price tag or bonus incentives to get you behind the wheel.

The Holiday Season

Usually, auto manufacturers announce their upcoming lineup in September. That means that dealerships have to be aggressive to move their inventory to make room for all of the latest makes and models.

Between October and December is an excellent time to buy a car because you can usually save a lot on this year’s models. Also, this is often when dealerships start offering their year-end sales, which makes it even more enticing for the average buyer.

Although all three months are great for car buying, December is usually the best. Here’s why.

Christmas Savings – because everyone is shopping around this time, dealerships know to take advantage as much as possible. Thus, they will offer more discounts or incentives, particularly for peak shopping days, such as Black Friday.

Slower Traffic – usually, people want to buy a new car in the Spring and Summer months because it’s much nicer out. However, that means that you have to compete with everyone else to ensure that you get the best deal. During December, however, that foot traffic slows down, which enables you to get more personalized attention. Usually, having more one-on-one time, coupled with lower sales numbers means that you can get a better sales experience.

New Year’s Eve – once the calendar year has finished, that’s it for quotas and sales counts. Thus, the closer you wait until the end of the year, the better the deals can get. Motivated salespeople are going to offer greater incentives, so being patient can pay off substantially.

Other Considerations When Buying a Car

Although picking the best time of year to find a new vehicle is an excellent way to save money, that shouldn’t be your only concern. As we mentioned, buying a car is a process, and you want to make sure that you take as much care with your purchase as possible.  Thus, keep these factors in mind as well.

Current Vehicle

What is the state of your car right now? Does it have a few good years left, or is it hanging by a thread? If it’s the latter situation, then you’ll have to be a bit more aggressive in your search, since you don’t want to be stuck with a lemon and have to buy something right away.

Trade-In Value

If your current vehicle is in excellent condition, then what can you get for it? Be careful to consider how much you may owe on the car, especially if it’s more than it’s worth (in this case, it’s upside down).  A great way to check on this is to run your make and model through a car evaluation site like Kelly Blue Book. Also, talk to dealerships about any trade-in offers they may have. Some places may have better incentives than others, so don’t be afraid to shop around.

Insurance

As you already know, buying a car is not a one-time purchase. No, we’re not referring to making monthly payments (although that is a consideration). Instead, we’re talking about all of the other costs and expenses that come with owning a vehicle.  Insurance rates should be a factor when buying a new car. In fact, you should talk with your insurance agent first to get their input on what will be the best for your premiums. Some makes and models are better than others, so you want to make sure that your rates aren’t going to increase as a result.

Contact Bieritz Insurance

If you’re ready to buy a new car, contact us today, and we can help you find a model that will keep your rates low. We know that the experience can be exciting, but it’s crucial to do your due diligence first so that you can be proud of your purchase. We’re here to help!

Having a new driver in your family can be a nerve-wracking experience.  As a parent, your mind somehow jumps to all of the things that can possibly go wrong, and how your newly-permitted driver is yet unequipped to handle different situations in a car.  Teaching your teen to drive takes patience and the ability to be objective – you need to provide guidance instead of criticism. We hope the following five tips will help you as you wind your way through these sometimes stressful moments!

Stay Calm
No matter what happens, it is important to remain calm.  Yes, grab the uh-oh handle and step on the imaginary brake pedal on the passenger side of the car if you must, but take a deep breath and remain calm.  Dealing with situations on the road are stressful enough for a new driver and losing your cool won’t help.  If you need to calm yourself, find a good place to pull over and take a walk around the car until you are ready to continue.

Talking to Your Teen Respectfully (i.e. Don’t Yell – Ever)
Instead of saying “You need to slow down more around corners”, maybe go with something along the lines of “How do you feel you handled that last turn?”.  Your job as a driving instructor is different from that of a parent.  Your job is to get them to think for themselves about what they are doing and how to make adjustments to stay safe on the roads.  Be respectful and make them think.

Allowing Them to Learn in a Multitude of Situations
Yes, it is snowing and the roads may be slick.  It’s dark and foggy and the visibility is poor.  It’s pouring rain out and the windshield wipers are a bit wonky on the car.  It’s rush hour and there’s a lot of traffic on the highway.  There’s always a good excuse to opt to not allow your teen to drive, but dealing with these situations will help to make them better drivers.  Knowing how to handle a snowy roadway or a busy highway is important and the only way for them to learn to navigate these situations well is by giving them the opportunity to practice.  It may not be the most comfortable experience for you, but it is important for them.

Know the Rules of the Road
If you passed your test 30 years ago, you should definitely take a look through the manual as a refresher. Knowing the rules of the road will be part of the drivers test and if you aren’t familiar with the rules (some things may be different), you can’t  adequately guide your teenager – and you may even mislead them into thinking that something they are doing is okay when it is not.

It’s Not About How to Operate a Car
Driver education is not about how the car works.  Things like how to change a tire or checking the fluid levels, tire pressure, etc. are important to know, but it’s a different part of the new driver training.  Every car is a little bit different in where things are, how they handle, etc., but it’s also mostly the same.  Operating a vehicle and driving safely are two different things.

Focus on the Main Things:
The four main items to spend your time on are speed, space, observation and communication.  If you can get your teen to be thinking of these whenever they get behind the wheel, you will be well on your way to training a safe driver.  If they can master these four things during their training, then you have done your job.

Extra Bonus Insurance Tip: A teen or young adult with a learner’s permit in New York State accompanied by a licensed adult supervisor does not need to have their own insurance policy. Once they become a licensed driver, they should be added to your policy or you can consider getting them their own insurance.

If you have any insurance-related questions, please feel free to contact our team at Bieritz Insurance – 209 Main Street in Cooperstown (607-547-02951) or at Morris Insurance, 128 Main Street in Morris (607-263-5170).

Most of the summer months are dedicated to storm season.  In between the days that are perfect for the beach, with blue and yellow skies, are days full of heavy rain, winds, and flooding, with the occasional–for Upstate New York–hailstorm, tornado, and hurricane.  These weather conditions, in combination with increased vacationing travel, road work, and presence of motorcycles and bikes on the roads, contribute to a higher average of fatal accidents taking place in the summer rather than the winter.  At times like these, we find ourselves wanting to know how we can maximize driving safety.  Below, you will find a list of summertime storm hazards, and ways you can alter your driving to better ensure safety in each of them.

But first, here are a some general staples for driving in severe weather:

1. Knowing the weather conditions and predictions for where and when you are traveling can help you mentally prepare for potentially unpleasant conditions.
2. Planning a few back-up routes can also contribute to less stress.
3. Limiting noise distractions from various devices and conversation can make room for more focus.
4. You can always choose not to drive at all or to wait out the storm off the road.
5. Slowing down and increasing the travel distance between surrounding vehicles can minimize the threat of hydroplaning and can allow more comfort, space, and time to react to traffic and road conditions.  
6. Cleaning your windows and checking your wipers once a month, checking the washer fluid once a week, and checking your lights and signals every day may be time-consuming, but it can contribute to feelings of ease during a drive if you don’t end up worrying about visibility–either your ability to see out of your windows, or your car’s ability of been seen.
7. Newer cars may have front lights that engage when the windshield wipers are on, but the back lights don’t activate as well, so turning on the regular lights enables your vehicle to be seen from both directions.

Summertime Storm Hazards & Safety Tips

• Strong Winds – These can turn automobiles over, especially larger ones, or move them across lanes into each other or off the road.
  • Winds may be more forceful in open areas, highway overpasses, tunnels, and tunnel-like spaces such as between mountains, so it may be helpful to know and stay alert in these areas.  .
  • While driving, locate and try to maintain distance from larger vehicles and motorcycles.
  • Hold steadily onto the wheel, especially if you are occupying a larger vehicle.
• Heavy Rain – This can inhibit visibility and threaten your control over steering and braking if there is enough water and you start to hydroplane
  • If you wait for a half hour after the rain begins, the oils and dirt that may have made roads more slippery for hydroplaning will have dissipated.  
  • Try to follow in the tracks of the car ahead of you to reduce the likelihood of hydroplaning.
  • Avoid making fast turns and stops.  Don’t use cruise control because you can’t reduce speed to keep traction by taking your foot off of the acceleration.
  • If you hydroplane, steer in the direction you want to go, and don’t step on the gas or the brakes until you have regained control over steering.  For more on recovery from hydroplaning, see our article on Driving Safely in the Fall and Winter Months. 
• Hail
  • Get off the road completely.
  • Don’t leave your car, and wait for the storm to end.
• Moving Water – This could cause you to hydroplane, run over hidden dangerous debris like power lines, and it could cause your engine to stall if it brushes up against water.  
  • Don’t drive through more than 3 inches of water.  
  • Drive slowly.
  • Turn around and find a detour.
• Hurricane – In addition to much of the above, remember to keep your gas tank full so you don’t end up stranded.  Keeping first-aid supplies, clothing, water, and snacks in your car can be of help in the event that you are.
• Tornado – These debris-wielding, strong, and rotating winds can do an enormous amount of damage.
  • Seek indoor shelter first.
  • Otherwise, get off the road completely.
  • Stay away from bridges and tunnels because the wind may be more powerful there.
  • If you can’t safely reach an area that is lower than the road, stay in your car, belted in, with your head below the windows and covered by your hands and a blanket, if you have one.
  • If you can safely get to a place that is lower than the road, lie there with your hands over your head.

So much in life is unpredictable.  Tornadoes and hurricanes may not be so prevalent in Upstate New York, but our summer travels take us everywhere, and we’ll never know when situations will call for us to use what we’ve learned.  We can also never be certain that what we’ve learned will fully protect ourselves in such conditions.  In the aftermath, insurance can support you, wherever you are.  Request a quote on automobile or life insurance from the team at Bieritz Insurance Agency today!

No matter how careful we are as drivers, car accidents are a fact of life: millions occur in the United States each year.  As such, it is important to be prepared for them, even as we do our best to avoid them while behind the wheel.  

Stock your car with…

• Safety Tools: carry cones, flares, and warning triangles to warn traffic, a phone for calling for help, a flashlight for night light, and a first aid kit.
• Emergency Information: carry a list of contact numbers, documents with information about any particular medical conditions that are pertinent for you and your family, insurance cards to exchange, and instructions about what to do after an accident.
• Recording Tools: carry pen, paper, and a disposable camera to collect information and to record what happened.

Stock your brain with…

• Appropriate Medical Knowledge: know how and when to use a first aid kit, and understand that it might take time for injuries to present themselves.  Call an ambulance when in doubt about the extent of your own or another person’s injuries.  A loss of consciousness can indicate a concussion or a closed head injury.  A person who is unconscious or who has neck/back pains should never be moved unless there is a more pressing threat to their safety – and only then, by supporting their neck and back or moving them as little as possible.
• Insurance Information: know your coverage in regards to towing and renting cars.
• Instructions about what to do after an accident.

Your priority should be health and safety.  ⅕ car accidents lead to death.  Don’t leave the scene.  Breathe and try to be calm.  Once you are aware of your own injuries and you are able to, check on your passengers.  Check on the other drivers and passengers.  Set up cones, flares, and warning triangles to avoid further collisions.  Move vehicles out of traffic, and if you can’t, remain inside of them with seatbelts fastened and the emergency lights on.  Always call the police.  Call an ambulance if you are unsure about your own or anyone else’s injuries.  

Most car accidents only involve property damage.  There are many legal and insurance matters to take care of in this respect, even while still on the scene.  

While still on the scene…

• Talking to the Police: Don’t apologize or say the accident was your fault.  State only what you are certain of and tell the officers if you don’t know something.  Don’t make guesses.  Ask the officer for their name and badge number so that you can retrieve their report later for your insurance company.  You must get your report from the state police if the accident took place on a highway.  Make sure the statements of other passengers and drivers are factual as well.
• Collecting Information: Record the situation – the date and time of your accident, the specific location where it occurred including road names and landmarks, the speed limit of that road, the direction of travel of you and other drivers at the time of the accident, the visibility and weather conditions during your accident, as well as any road hazards.  Take pictures of damages to your car and document all injuries.  Ask all drivers and passengers what they saw, and get their names, phone numbers, addresses, driver’s license numbers, license plate numbers, and basic insurance information.  If the driver’s name is different from that of the person listed on the insurance information, establish the relationship and take down that person’s information if they aren’t already a passenger in the car.  Ask any witnesses what they saw and if they know of any other accidents happening in the same place, and also collect their names, phone numbers, addresses, and how they are connected to the area (residents, workers, passersby).  
• Don’t Decide who will Pay for Damages: Even if the accident is minor, injuries can present themselves after some days and weeks have passed, and thus the amount needed to pay could be a lot more than expected.

Soon after leaving the scene…

• Obtain the Police Report: If it comes to it, it can help you prove fault.
• File a State Vehicle Accident Report: They are available at police stations and on the DMV website.  They help insurance companies speed up the claims process.
• Call your Insurance Agent:  Tell them what happened and what the damages and injuries are, and go over the police report with them.  
• Get a Property Damage Valuation: This will be available through your insurance company.  Before and after photos of your vehicle are helpful for this.  
• Call an Attorney: They may be able to help you get a proper damage valuation as well.  They will protect your rights and make sure that evidence is not destroyed.  It may do well to consult them before giving statements to insurance companies.  Also consult them before signing settlement contracts.  Don’t settle too early.  Don’t tell any attorney or insurance agent other than your own about the situation.  If someone else calls, refer them to your attorney or your insurance agent and ask them to arrange an interview.  Let your attorney and insurance agent know that someone called you.  
• Keep Track of Your Health Care: Make a list of all the health care providers you’ve visited and all of the resulting expenses.

Car accidents happen.  No matter how much or how little personal or property damage is involved, the process for claims and settlement takes time.  Knowing what to expect and having guidance for what to do in these situations can relieve some of the panic and help avoid consequences of being unaware.  If you have any questions, our team at Bieritz is here to help!  Contact us in Cooperstown at 209 Main Street, Cooperstown, NY 13326 (607) 547-2951 or in Morris at 128 Main Street, Morris, NY 13808 (607) 263-5170.