Windshield Repair: What to Do

Car windshields can become chipped, cracked, or broken. Weather, gravel, birds, pebbles, tree branches, and acts of vandalism can all be contributed to windshield damages. Contact your Hudson Valley Agents in Walden, NY anytime your vehicle suffers an injury no matter if it is minor or severe.

Repairing the Damage to Your Window

In New York, you cannot drive your vehicle if the windshield is broken and causes your visibility to be obscured. A small crack that is smaller than a dollar bill can be repaired quickly and easily by a professional for less than $100. There are some exceptions that will cause you to replace the entire windshield.

  • If the crack is located in the driver’s eye line
  • More than a couple of cracks at one time
  • If the car and windshield is old
  • The crack is on the edge of the windshield

A small crack should be repaired as soon as you notice it. When they are small, they are easier to repair, but tiny chips can turn into a large spider web crack in a matter of weeks or even days.

Understanding Insurance Coverage for Your Windshield

Comprehensive will be the coverage that will most likely cover the cost for damage to your windshield. Once you contact your local insurance agents, they will be able to help you determine what you can do to get your windshield repaired or replaced.

Comprehensive coverage usually pays for damage caused by things other than a collision. So, if a bird flies into your windshield, comprehensive is the coverage you will need.

Discuss having your windshield repaired with the Hudson Valley Agents in Walden, NY. They can consult with you on the right coverage you will need for your automobile. These independent agents can also discuss starting a home, commercial, or life insurance policy.

 

Three Ways to Protect Your Home From Malicious Actions

Owning a home in Walden, NY, is a beautiful feeling, but it comes with its share of responsibilities and concerns. You want to be protected against ill-intentioned individuals. Thankfully, Hudson Valley Agents is experienced in these things, so here is a simple list of things you can do to make your home safer.

Control Visibility

To reduce the risk of burglary, it helps to think like a burglar. A potential robber prefers a target where it is easy to hide when necessary. They also choose targets based on what they can steal, so try to minimize how visible your most valuable possessions are. Simply drawing the blinds can go a long way, and maintaining the hedges or shrubs to reduce hiding spaces creates a strong deterrent. Spotlights on a motion sensor have also been shown to decrease risks of both burglary and vandalism.

Manage Points of Entry

Most malicious individuals gain access to a home through an unsecured point of entry. Unlocked doors and windows are the primary culprits. There are a few simple solutions. Deadbolts make doors very unappealing for anyone who doesn’t want to get caught forcing entry, and reinforcing glass adjacent to exterior doors is an absolute necessity. All windows should have good locks, but adding motion detectors and an alarm system goes a long way. In general, alarm systems are often a trade-off between convenience and safety, but it may help to know that in some cases they can lower your insurance payments.

Know Your Insurance

Speaking of insurance, comprehensive coverage is the easiest and most reliable way to protect yourself. Ultimately, you can’t take the risk of burglary all the way to zero. Take the time to understand your policy, and don’t be afraid to talk to your Hudson Valley Agents. You can make sure you are covered for damage to your Walden, NY, home, well as against a loss of valuables inside.

 

Shop Around for Best Value for Home Insurance

Whether you have just purchased a new home or are thinking about refinancing your present Walden, NY house, this is often when you are shopping for home insurance. In order to satisfy the conditions of your mortgage lender it is tempting to look for the lowest quote and be done with it.  However, if you don’t spend time talking with a qualified insurance representative, such as found at Hudson Valley Agents, you may end up spending more money than expected if you need to file a claim on your home.

Check Liability Coverage to Protect All Your Investments

If you’ve been moving up in your career and have amassed personal assets besides your home, ensuring you have enough liability coverage for your home insurance is crucial in protecting those other investments. While policy minimums may look substantial, it’s important to review with a professional just how much an unfortunate incident on your property could potentially cost you.  Adding extra coverage could save you in the future.

Will Personal Possessions Really Be Replaced?

A cut-rate policy may not provide real cost replacement for your valuables such as jewelry, collectibles, and high-end appliances should you suffer complete loss due to a fire or theft. The details are in the fine print. Take the time to review the specifics before signing on the dotted line.

If You Bundle, Discounts May Provide More Insurance for Same Price

While your current Walden, NY insurance company may not provide an attractive quote on the surface, ask about discounts that may be available when you carry coverage on home and auto at the same time.  The savings could provide all the extras you want without paying a higher price.

For more details, please give us a call at Hudson Valley Agents to discuss your home insurance quote.

A NY Defensive Driving Course Can Save You Money

If like most people you are probably interested in saving money on auto insurance. You know that having adequate coverage is important. Perhaps you have seen a friend in Walden, NY with a limited policy get into an accident and wind up having to pay expenses out of pocket. For this reason, you are wise and have insurance from Hudson Valley Agents. The professionals here work hard to provide basic liability coverage and beyond.

Yet, you want to know more about savings, right?  Following are some ways that a Walden, NY driving school can help you save on auto insurance.

1. You Become a Safer Drive

These schools teach you defensive driving skills. You will be better at avoiding the mistakes that lead to traffic infractions. You will be better equipped to prevent accidents as well.

Both traffic tickets and accidents can cause your insurance rate to rise because you are assumed to be a greater risk. So, going to driving school can help you maintain a lower rate.

2. State Mandated Auto Insurance Discount 

The state of New York takes driver education seriously. The authorities want as many motorists to take these courses as possible. To get people to enroll, the state has created some incentives. Graduates can receive a reduction of license infraction points. Best of all, New York drivers who complete an approved program receive a three-year, ten percent auto insurance discount by law.

Enroll in Driver Education and Contact an Agent

To take advantage of these savings, enroll in a driver education program today. At the same time, be sure to check with the professionals at Hudson Valley Agents for more information on possible discounts. You can also use the online rate quote toll to get an idea of how affordable policies can be.

 

4 Facts to Know About Your Auto Insurance

If you are in the market for new auto insurance, then our team at Hudson Valley Agents in Walden, NY wants to help you make an informed decision.

With many drivers knowing very little about their coverage, we thought it would be helpful to present some facts to you so that you can make an informed decision about your next auto insurance coverage.

Multiple Factors Affect Your Rate

Reducing the cost of your auto insurance coverage can be done. However, to get the most bang for your buck, it’s best to try to reduce your rate in various ways since multiple factors affect your rate. To improve your chances of reducing your monthly bill consider three of four different ways to reduce the cost of your coverage.

You Are Responsible When You Let People Drive Your Vehicle

The rate you pay for your auto insurance in Walden, NY is based on risks. If you are viewed as a risky driver, then you will likely pay more for your auto insurance. Additionally, if you allow other people to drive your vehicles, then you will likely have to pay more because they increase your risks. Typically, when you live with additional people, insurance companies assume they have access to your vehicles, so they may be a factor in determining your auto insurance rate.

Basic Coverage May Not Be Enough

Getting basic auto insurance coverage may seem like a value, until it’s not. With basic coverage, many people learn the hard way that they didn’t have enough coverage to cover their financial needs following an accident. Do not get caught off guard financially. Get a quote for auto insurance coverage based on your financial risks.

Increasing Your Deductible Can Save You Money

At Hudson Valley, your deductible is the amount of money you are responsible for when you experience a loss. When you opt for a higher deductible, you’ll likely get a decrease in your monthly premium.

At Hudson Valley Agents, we want to be your auto insurance partners. We can help you get the right amount and type of insurance based on your needs. Give us a call today to get started.

 

Why Did the Pipe Burst and How Can You Avoid it?

No one wants to deal with freezing pipes but few people actually know how to prevent them. Knowing how they freeze and what to do to prevent this is the key to ensuring you do not have to deal with it. Hudson Valley Agents know a thing or two about frozen pipes.

Why Do Pipes Burst in the Cold?

Water freezing in freezing temperatures. During cold winter nights when the temperature drops below freezing, the water in your pipes expands if the water freezes. When the water expands in the pipes, the pipes will not expand with it. Instead, they will break. You may not notice the break until it is too late. Once the ice becomes water again, the water will flow through the pipes and into your home, leaving a huge mess. 

How Can You Prevent This From Happening?

No one wants to deal with a lot of water in your home so how do you prevent this from happening to you? You have to keep the pipes warm. You can do this by adding insulation to the pipes that are exposed to the outside. For the pipes within your home, you can help prevent them from freezing by leaving a faucet or two dripping overnight on nights when the temperature drops below freezing. You can also help keep them warm inside by opening up your cabinets and allowing warm air to reach the pipes. Doing these three things together should help you prevent it from happening in your home. 

The best way to protect yourself, besides taking these steps, is by getting a home insurance policy. You can contact Hudson Valley Agents, serving Walden, NY, to get some quotes and find one to fit your needs today. We will be happy to find the perfect one for you. 

Why You Might Want to Keep a Teen on Your Auto Insurance

If you have a teen driver in your Walden, NY, home, the initial impulse may be to get them a car and their own insurance. And, why not? Independence is the American way.  Every teen wants to be able to drive around town without their parents. They will need their own auto insurance policy, right? Well, not so fast. There are some possible downsides to letting a teen go it alone when it comes to auto insurance.  Hudson Valley Agents is here to help.

Higher Accident Rates

When insurance actuaries calculate prices for policies, they take into consideration auto accident rates. Quite simply, teens are a very high risk. They are the most likely demographic to  end up in a road accident. These odds rise exponentially when more than one teen is in the car together without adult supervision.

So, if you have a teen driver expect to pay more on insurance.

Keep Them on Your Auto Insurance

A simple way to mitigate the cost of insuring a teen driver is to keep them on your family plan. Your own sterling driving record will help keep the cost lower than the extremely high costs often associated with insuring a teen.

Yes, it is likely that you will be paying a bit more in general; however, bundling them onto your already existing account or buying a new family policy can lead to lower overall payments than are usual for those who have separate teen policies.

Start Searching Today

The best way to find out how much you can save with this method is to search online using a convenient Walden, NY, rate calculator. You will receive a fast quote on how much a comprehensive auto insurance policy for you and your teen will cost. Contact Hudson Valley Agents today!

 

 

What Every New York Driver Should Know About Getting an Insurance Policy

Insurance isn’t as simple as just paying money to get coverage. Prior to inquiring about insurance, a person must understand the process a bit more in depth. In fact, residents of Walden, NY and the surrounding area should know the following:

1. There Isn’t a One-Size-Fits-All Option

When a person is looking into getting insurance, he or she shouldn’t decide on just any policy. It’s important for the driver to actually evaluate how much coverage he or she needs based on several factors such as whether his or her vehicle is paid off and the value of the driver’s assets. 

2. High Deductible Means a Low Premium

When looking for a policy, always keep in mind that opting for a high deductible means the premium will be low. While this seems like an ideal way to save money, the driver must understand that the high deductible means he or she may need to spend the money he or she saved on the premium in order to pay for a higher chunk of money in the event of an accident. 

3. Low Deductible Means a High Premium

In many cases, the policies with higher premiums have lower deductibles. A driver must weigh the factors as to whether this is beneficial to him or her. A higher premium isn’t always budget friendly, nor is it beneficial for every driver. 

4. Try Making One or Two Payments Per Year

While it seems like a good idea to pay a small amount of money each month, it’s oftentimes cheaper for the driver to pay all the premiums at once or divide it into two bi-yearly payments.

Hudson Valley Agents serve the Walden, NY area and surrounding region. To reach one, contact them at (845) 778-2141. 

Mechanical Faliure that Causes Vehicle Accidents

Winter weather is coming to Walden, NY and the staff at Hudson Valley Agents wants to remind everyone to prepare for the coming season by taking your vehicle in for servicing.

Human error is the most likely cause of an automobile accident; however, there are incidences caused by a lack of proper maintenance for a vehicle. Proper maintenance reduces the chance that a mechanical failure is a contributing factor in the cause of an accident. The NHTSA is a government organization that studies the causes of automobile accidents. The research shows that about 10 to 12% of vehicles accidents are caused by mechanical failure.

Here are some the top five causes of auto accidents due to mechanical failure. Regular auto maintenance of these items makes your vehicle safer:

1. Brakes –  Regularly checking your brakes is the most important, especially for winter season. Have the mechanic check the brake pads for wear and look for any leaks of braking fluid coming from the brake lines. Top off the brake fluid if needed. Have the ABS system checked by using the computer diagnostic system to discover any potential problems, before they cause an accident.

2. Lights – Make sure all headlights and taillights are working. The chances of having an accident at night are much greater than during the day. Other drivers may not see your vehicle if the taillights are not working properly.

3. Tires – A tire failure at a high speed is a common cause of losing control of the vehicle. Have the tires regularly checked for the correct pressure and replace them well in advance of them being unsafe. Use special tires made for winter conditions when the weather is severe.

4. Windshield Wipers – In rain and snow conditions, the most important thing for the driver is to be able to see properly. Replace wipers for better visibility during winter road conditions.

5. Steering –  If the steering suddenly goes out of control, it is terrifying. Have your mechanic check the steering fluid level and inspect the undercarriage, steering joints, and tie rods for any damage.

Check with your agent at HVA insurance in Walden, NY to make sure there is appropriate vehicle insurance coverage

Home automation technologies you may want to incorporate into your home this fall

Add home automation technologies to make your home a "smart home" and you can catapult your property into the 21st century. Upgrading to a "smart home" can be just as advantageous as upgrading to smartphones has been for so many people out there who use cell phones

Home automation is particularly useful for the winter for several reasons. The following are four great home automation capabilities your home could really benefit from this winter:

Water sensors

Wintertime snow can be charming, but it can also increase chances that your home will suffer leaks that can bring about costly water damage. Smart homes can feature water sensors that will detect leaks that aren’t visible to the naked eye.

Smart thermostats

With smart thermostats, a homeowner can monitor the temperature in his or her home even when away. This makes it easier to turn the heater on in time so that your home’s nice and toasty when you get home from work at the end of the day. Smart thermostats can also increase efficiency by allowing you to make adjustments according to the weather even if you’re away for a week or two for the holidays. 

Smartphone surveillance cameras

If you’ve got kids who are home alone after school during the fall and winter, smartphone surveillance cameras that you can look at while at work can really increase your peace of mind.

Smart locks

A smart lock can be used remotely so that you don’t have to worry about your home’s security all day when you forget to lock the doors in the morning. 

If you’d like to learn more about improving both the security and efficiency of your home, follow our blog at Hudson Valley Agents.