Tag: auto insurance

Shopping for auto insurance isn’t as simple as picking a policy and purchasing it. Auto insurance comes in various types and offers different levels of coverage to meet your needs. The first step in shopping for auto insurance is gaining a comprehensive understanding of your options. Are you currently in the market for auto insurance? If so, here’s a closer look at the different types of auto insurance. Once you know whether you want basic or customized coverage, you can turn to us at Fenzl Insurance Agency in Hamburg, NY to take the following steps in your insurance journey.

An Overview of Auto Insurance Types

Here are some key types of auto insurance you should know about:

• Comprehensive Insurance: Comprehensive insurance covers your car in situations beyond collisions, such as fires, theft, or vandalism.
• Liability Insurance: Liability insurance is often legally required and helps cover costs for injuries and property damage if you’re at fault in a collision.
• Personal Injury Protection (PIP): Liability insurance won’t cover your own medical bills in an accident, but PIP will. PIP is required in New York, making it essential for legal road use.
• Uninsured Motorist Coverage: If you’re worried about accidents involving uninsured drivers, this coverage will protect you by covering expenses they can’t pay.
• Roadside Assistance: Roadside assistance is a valuable add-on that provides support in emergency situations. It’s a great option for frequent drivers seeking extra protection.

Shop Policies with Fenzl Insurance Agency

Fenzl Insurance Agency in Hamburg, NY is here to help you find auto insurance tailored to your needs. We make it easy to compare policies and find the right coverage for you. Compare quotes with us today to get started!

In New York, drivers must have at least liability insurance to take a vehicle on the road. When you are headed for vacation and need a rental car, you will likely book it online. The questions will start immediately: where, when, and what vehicle is just the beginning. Our team of agents at Fenzl Insurance Agency in Hamburg, NY is here to answer any questions you have about auto insurance coverage.

There isn’t just one answer: "Does your auto insurance cover a vacation auto rental?" The answer is maybe, possibly. It depends on the type of coverage you have on your auto. If you have basic auto insurance, which is liability only, that will not be enough coverage. The rental car company will want you to have coverage on the vehicle. If you have a newer vehicle with an auto loan or a leased vehicle, your coverage should be adequate for the rental company.

Your insurance coverage is good in the United States or Canada but not in Mexico or Europe. The rental company may try to talk you into getting excess liability insurance. This is unnecessary if you feel safe with the amount of coverage you have on your auto policy. They also offer you insurance to cover the car’s contents from theft. This is also unnecessary coverage if you have a home, condo, or rental with insurance coverage. Those types of insurance cover theft.

You should check with your credit card company to see if they offer car rental coverage. This allows them to be the primary coverage on the vehicle.

If you want to renew your auto insurance or have questions, contact our office at Fenzl Insurance Agency in Hamburg, NY.