Turn on the TV and you’ll see plenty of commercials for car and life insurance. Choosing car insurance can be confusing with so many options available, and life insurance is a close second when it comes to how many companies want to give out life insurance advice. Fortunately, you can find life insurance and car insurance right here in Rochester, NY, that is comprehensive and affordable. Here are some things to consider when choosing car insurance and life insurance:

With car insurance, be sure to keep in mind that you are required by law to carry it. Having no auto insurance means having to turn in your license plates to the New York State Department of Motor Vehicles, so always keep your coverage up to date and paid. Remember, too, that your rates are based on a number of factors. In addition to the type of car you own and how and where you drive it, there are other ways to estimate your quotes for auto insurance. For instance, if you are under the age of 25, or will have drivers under 25 on your policy (such as your dependents), you will pay more for car insurance. Being over the age of 25 typically means a decrease in costs, as you will have more experience driving and be at a lower risk for accidents. Finally, when choosing car insurance, make sure that you have no traffic violations, as these can increase your insurance rates as well.

Life insurance is necessary in the event that you pass away unexpectedly or as the result of an illness to ensure that your loved ones are taken care of after your loss. Life insurance helps to take care of the cost of living for your family as well as covering any funeral expenses or existing medical bills. According to a 2011 study from Genworth LifeJacket, 40% of Americans don’t believe that they have enough life insurance coverage; however, 83% of consumers overall report that they don’t purchase more life insurance because it’s too costly in the U.S. Life insurance if important, though, in making sure that your family is safe in the event of your loss. Life insurers pay out an average of $1.5 billion each day through coverage throughout the United States, and these insurers have an estimated $4.5 trillion invested in our country’s economy.

Although it can be difficult to consider early on, purchasing life insurance is an important step in securing your family’s future. When it comes to your auto insurance, you want to make sure that you’re choosing car insurance that covers damages and even medical expenses in the event that you are involved in a collision. Don’t skip out on your insurance. Work with a Rochester insurance agency today to get the local coverage that you need for life’s unexpected events. More like this blog.