Category: Auto Insurance

Do you ever feel like you’re paying too much for car insurance? We get it. At Worthington Carroll Agency in Port Jervis, NY, we offer an innovative concept called pay-per-mile car insurance. This approach gives drivers more control over their insurance costs and could be your perfect solution.

What is Pay-Per-Mile Car Insurance?

As the name suggests, pay-per-mile car insurance is a policy where your premium is based on the number of miles you drive. Your monthly bill includes a low base rate plus a cost per mile driven, ensuring you only pay for what you use. This makes it an excellent choice for those who don’t commute daily or only drive short distances.

Why Consider Pay-Per-Mile Insurance?

One of the main advantages of pay-per-mile insurance is the potential for savings. Traditional car insurance often assumes a certain level of regular driving, and if you don’t drive daily or take public transport frequently, you might be overpaying. Low-mileage drivers can enjoy lower premiums with pay-per-mile insurance since costs align more closely with actual usage.

Additional Benefits

Pay-per-mile insurance promotes safer driving habits as drivers become more conscious of how every mile affects their premiums. This can lead to fewer road accidents and less wear and tear on your vehicle. Additionally, this type of insurance typically employs user-friendly tracking technology, providing insights into your driving patterns and enabling you to make informed decisions about your travel.

Ready to see how much you could save with pay-per-mile car insurance? Reach out to Worthington Carroll Agency in Port Jervis, NY, today for more information and a personalized quote. Let’s find the perfect insurance solution to match your driving habits.

Is Your Auto Insurance Ready for Your Road Trip?

A road trip anticipates new experiences and exciting adventures. However, it also poses unique challenges that may necessitate reconsidering the terms of your existing automotive insurance policy. Review the situations listed below and get in touch with an insurance agent serving Port Jervis, NY, to make the necessary alterations to your policy before you hit the road.

Navigating Unfamiliar Territories

Driving to a new destination can prove to be quite challenging. Additional coverage can provide you with the reassurance you need. If you experience a breakdown or an accident, increased coverage ensures that your vehicle won’t be stranded, and you’ll not be left in the lurch during such unpredictable situations.

Clocking More Miles

Spending more hours on the road heightens your risk levels. As the likelihood of an accident is proportional to the distance you travel, having adequate insurance coverage during your trip can protect you from financial setbacks.

Shouldering Passenger Liability

If you plan on having passengers in your vehicle during your road trip, consider boosting your liability coverage. This coverage accounts for medical expenses and repairs that may be incurred due to an accident during your trip.

Parking Safety Concerns

Parking in unfamiliar places might expose your vehicle to potential theft or vandalism. By upgrading your insurance coverage, you can safeguard against such risks and ensure financial compensation for monetary losses from these eventualities. Although it’s best to park in a well-lighted area with security measures, increased automotive insurance can provide the protection you need if your vehicle is harmed.

Contact Worthington Carroll Agency Today

Arrange an appointment with a representative from Worthington Carroll Agency. Our expert agent will help you tailor your automotive insurance policy to meet the specific needs of your forthcoming road trip. Reach out to us to learn more.

Port Jervis, NY is one of the most beautiful areas in a state known for its fantastic scenery. Because of its location as a regional center for major roadways, many people choose to drive. Car insurance is a requirement in New York, although it works differently than in most other states. At Worthington Carroll Agency, we want to make sure you understand your responsibilities and help you ensure that you have the protection you need.

If I only carry the amount of auto insurance required by law, will I have protection if I am at fault in an accident?

New York Is a No-Fault State

In most states, the focus is on who caused an accident. As a no-fault state, New York puts the focus on the injured party. The advantage of a no-fault system is that the insurance can pay out promptly without waiting for people to argue about who caused a crash.

Everyone who drives in New York is required to carry Personal Injury Protection (PIP) to cover medical expenses; liability coverage to cover any harm you directly cause while driving; and uninsured motorist protection to protect you and your loved ones in case of a hit-and-run or if you are the victim of an uninsured drive. Anyone carrying the minimum legal coverage is protected when at fault in an accident.

How Much Coverage Is Enough?

If there is a lot of damage, your insurance might not cover everything. Anything over your policy limits is your responsibility. You can add protection by either getting a policy with higher limits or getting an umbrella policy.

Consult With Us

There are a lot of reasons to drive in Port Jervis, NY,  but you want to feel safe in case something happens. If you have any questions about your coverage, please call Worthington Carroll Agency today.

Auto insurance can be customized to meet your particular needs. It can be very basic, or it can offer a full array of protection options. The choice is mostly up to you. Some coverage is mandated by the state and your lender, but other than that, you choose. In Port Jervis, NY at Worthington Carroll Agency, our team of insurance experts will work with you to give you exactly the coverage you need and want. 

Auto Insurance Coverages

Liability

Liability is the type of auto insurance that is mandated by the state of New York. It is to protect other drivers from you and you from legal action. It helps with legal fees and a judgment against you.  

Comprehensive

Comprehensive protects your vehicle from a variety of different hazards including theft and vandalism. It covers deer that might damage your car and all different types of weather events. 

Collision

Collision is what it sounds like, a collision with another car or a one-car accident where you hit something other than a car. It will also cover your vehicle if you are a victim of a hit-and-run. 

Underinsured or uninsured drivers

This insurance protects you from other drivers who don’t have insurance and damage your car or if they have less insurance than is required for the damage they caused. 

Full glass coverage

This coverage replaces any broken glass on your vehicle, and there is no deductible. 

Rental vehicle coverage

With this coverage, if your vehicle is damaged and needs to be repaired, your insurance will give you a daily budget to rent a car until yours is ready to drive. 

Call Us Today

If you live in or near the Port Jervis, NY area, we at Worthington Carroll Agency would like to become your insurance provider. We provide personalized service and will work hard to find the best coverage for you.