With the COVID-19 pandemic forcing people to stay indoors, many Americans wonder if they will ever drive their cars regularly again. You may have several questions regarding your car’s insurance policy, and if so, you should visit your insurance agent. However, before that, here is what you need to know:
Should I Cancel My Insurance?
If you plan to use your car, don’t cancel the insurance. If you get involved in an accident, one of the first things the authorities check is your insurance policy to pay for the damages. New York is a state where carrying a “no-fault” car insurance is mandatory.
Even if you do not drive, insurance will protect you from car theft and vandalism.
Switching to Pay-Per-Mile Insurance
Some insurance agencies allow you to switch your policy to pay-per-mile insurance. The insurance costs in New York vary based on your car model, driving history, and other parameters, such as your neighborhood. Check if switching will save you money, especially since you will be using the car soon.
What If You Can’t Pay Your Regular Insurance Premium?
If COVID-19 has put you in a difficult financial situation, you may not be able to pay the regular premium amount. Talk to your insurance agency. Many insurance carriers are offering grace periods, extensions, discounts, and other payment options.
These points may have cleared some of your doubts about car insurance during COVID-19. Are you looking for assistance with your auto insurance needs? Contact the experts at the Scavone Insurance Center in White Plains, New York. Our team is looking forward to answering all your questions.