Category: Auto Insurance

Does Auto Insurance Cover Rentals?

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There are times when you may need to rent a car for a short period. Perhaps you’re planning a vacation or a business trip to a nearby location where air travel isn’t necessary, and you prefer not to be confined to a bus or train. A car offers comfort and complete control. You can adjust the radio volume, control the AC, and decide when to take a break. However, it’s important to remember that any vehicle on the road requires insurance.

Understanding Your Rental Car Insurance Options

Typically, your personal car insurance extends to rental cars, maintaining the same deductibles and coverage limits. However, in some cases, it may be beneficial to consider rental insurance. It’s essential to have liability insurance to cover any damages or injuries that may occur in an accident. Note that your personal insurance may only cover a rental car if it’s used for personal travel. Before renting a car, ensure that your car insurance coverage extends to rentals and check your policy for any exclusions. If you’re paying with a credit card, they might offer rental insurance as a benefit. Verify whether the coverage offered is primary or secondary. Consider whether supplemental liability insurance, a collision damage waiver, personal accident insurance, personal effects insurance, or roadside assistance would be suitable for you.

Contact Kalare Tech in New Windsor

If you are in the New Windsor, NY area and need auto insurance, please contact Kalare Tech. We are here to assist you.

When is it a good idea to start looking for auto insurance?

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Living in New Windsor, NY, requires appropriate insurance coverage, especially for your vehicle. If you need auto insurance, it’s always a good idea to start looking early. There are several situations when shopping for a new plan is advisable.

When Purchasing a New Car

One of the situations when you should start looking for coverage is when you get a new vehicle. Whether you are buying or leasing a new or used car, you need to be prepared to insure it. Speaking with a local agent will help you understand coverage options and costs. It will also allow you to compare your options and shop around to ensure you get the best deal.

When Your Policy is Maturing

Auto insurance policies typically last for 6 months. While many will auto-renew, often at a higher cost, you are not obligated to renew the plan. If your policy is expiring, it doesn’t hurt to shop around and look for different options. This could help you save money or adjust your plan based on your changing needs.

There is never a bad time to look for a new auto insurance plan. Whether you are looking to get a new plan or replace an existing one, you should call our team at Kalare Tech. Our professionals can help those in the New Windsor, NY area assess all of their options and build an ideal policy. This can provide all the support you need to ensure you remain adequately covered.

Types of auto coverage you may need or want

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Understand the New York State Minimum Auto Insurance Coverage with Kalare Tech

You must have auto insurance to drive a vehicle in New York legally. The state-mandated minimum coverage is $10,000 for property damage per accident, $25,000 for bodily injury and, $50,000 for the death of a person involved in an accident, $50,000 for bodily injury, and $100,000 for the death of two or more people in an accident. At Kalare Tech, located in New Windsor, NY, we are an independent insurance agency offering our service to all our valued customers.

Optional Insurance Coverage

You can purchase additional insurance to protect your vehicle beyond just liability coverage. This includes collision and comprehensive insurance coverage.

Collision Coverage

Collision coverage protects your vehicle in the event of a crash with another vehicle or a stationary object. It also covers your vehicle if you’re the victim of a hit-and-run incident. A deductible applies every time you make a claim.

Comprehensive Insurance Coverage

Comprehensive insurance covers your vehicle for damages beyond your control or theft, including flooding, hail damage, falling branches, cracked windshields, and even vandalism. There is also a deductible linked to comprehensive coverage.

Deciding on Adequate Auto Insurance Coverage

Contact Kalare Tech in New Windsor, NY with any questions or concerns about your auto insurance coverage. We’re here to help you make an informed decision that suits your needs and budget. Call our office today.

Five Maintenance Tips To Prepare Your Car For Spring

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Prepping Your Car for Spring: Maintenance Tips to Keep In Mind

The transition to spring brings along certain challenges for car owners. Here are five useful maintenance tips to ensure your car is spring-ready and to help avoid any unnecessary breakdowns later:

1. Wiper Blade Replacement

Winter wears down your windshield and rear glass wiper blades, making them ineffective for the incoming spring showers and widespread pollen. A fresh pair of wiper blades ensures clear visibility, equipping you better for the spring months.

2. Cabin Air Filter Change

Spring stirs up ample dirt and pollen, which you want to keep out of your cabin. Changing your cabin air filter before spring can keep your car interiors pollen and dust-free.

3. Top-Off Car Fluids

With temperatures rising in spring, it is crucial to toe the line with your car fluids. Check the following for optimal levels:

  • Coolant
  • Windshield Wiper Fluid
  • Brake Fluid

An engine oil change can also make your car more operable.

4. Battery Check

Post-winter is an ideal time for a battery life check, especially considering the stress cold weather puts on it. A battery check can ascertain how much life is left in it, providing key insights on whether you need a replacement.

5. Air Conditioner Test

A working air conditioner is necessary during spring and subsequent summer months. Test your air conditioning system for proper functioning and timely repair or servicing, if necessary.

If you require an auto insurance quote in the New Windsor, NY, vicinity, don’t hesitate to contact our team at Kalare Tech.

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