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Category Archives: Mamaroneck

Mamaroneck Car Insurance: Should You Purchase A Diesel Fueled Car?

Mamaroneck Car Insurance: Should You Purchase A Diesel Fueled Car? Fuel efficiency is one of many pressing issues for potential car buyers. With today’s market, there are plenty of hybrid and electric car options for consumers to choose from. Both are viable options for superior mileage, but there is another fuel efficient option to consider. The diesel fueled car. Diesel fueled engines have been around since the early 1900’s but it is rare to find them in the consumer auto market. They are considered less eco-friendly, more expensive and noisier than their gasoline counterparts. Because of these difficulties, car manufacturers were less inclined to develop diesel based consumer cars. However, with improved catalytic converters and ULSD (ultra-low sulfur diesel), diesel motor technology has improved dramatically over time. The main advantage in having a diesel fueled car over a traditional gasoline vehicle is achieving better mileage. They require less fuel to provide ignition than a gasoline engine does which is why they are able to achieve superior efficiency and mileage. Another advantage is that diesel motors are engineered to be sturdier than gasoline engines. Because diesel combustion is more strenuous on the system than spark ignition, diesel engines use higher quality and tougher components. By being more solidly built, parts are less likely to be serviced which leads to a higher resale value down the road. Hybrids and electric cars have gotten the lion’s share of attention for consumers looking for fuel efficient vehicles. However, with diesel engine technology advancements, it is nice to have another option when shopping for a high mileage vehicle. Either way, no matter which vehicle you choose, we here at A.J. Benet understand how important proper Mamaroneck Car Insurance is towards protecting your vehicle. Our specialists are ready to answer any questions related to insuring your vehicle whether it be gasoline, electric, diesel or anything in between. Contact us today for more information about our Mamaroneck Car Insurance policies at (888) 639-4560.

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Westchester County Auto Insurance: The Future of Driving

Westchester County Auto Insurance: The Future of Driving One of Google’s latest technology ventures has been developing a self-driving car. Still a few years away from consumer production, the concept has nonetheless generated exciting discussion about the possibilities and possible impact of a driverless vehicle. Casey B. Mulligan, an economics professor at the University of Chicago, tackled this idea recently in a column for the New York Times. He argued an interesting, less thought about side to the “smart” car revolution: driverless cars would actually increase fuel consumption and the number of drivers on the road. One of the touted features of driverless cars is that driven by its data and computing power, driverless cars are also purported to reduce traffic congestion and nationwide fuel consumption by driving smarter. However, Mulligan disputes this. Smarter driving reduces the cost per mile of vehicle usage, which will lead to more driving. But research has shown that cutting travel costs through reduced gas prices actually causes people to drive more (they will choose their vehicle over carpooling and public transit, for example). Thus there could be more traffic and more aggregate fuel consumption. There are a number of hurdles driverless vehicles have to jump before they ever hit the open road. It will alter auto insurance policies significantly. But they will also open up transportation options to people previously unable to drive, such as the blind or elderly. What do you think about Mulligan’s predictions? Will it increase traffic congestion? How could driverless cars affect the insurance marketplace? We’d love to hear from you. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy quote by calling (888) 639-4560, or if you prefer email us or return the form on this page for more information about our Westchester County Insurance including Harrison car insurance.

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Westchester County Auto Insurance: Cutting Car-Buying Process in Half

Westchester County Auto Insurance: Cutting Car-Buying Process in Half Buying a car can be a long, lengthy process. It takes time, research, test driving, and a significant amount of haggling to get that shiny new pair of keys. Now however, car showrooms are looking to cut the time you spend negotiating a deal. Shoppers are going online and conducting extensive research before they even enter the showroom. According to J.D. Power and Associates, 80 percent of buyers spend an average of 18 hours online researching models and prices. However, despite that, new car buyers spend 12.5 percent more time negotiating at showrooms last year than in 2010 negotiating the deal, hammering out financing, and training on the vehicle’s technology. Even though car buyers enter the show rooms more educated on what they are looking for, it still takes a significant amount of time. To combat that, vehicle showrooms are utilizing a new range of tools from mobile devices that can calculate a car’s trade-in value to expanded call centers to handle the increased traffic from smartphone shoppers. AutoNation Inc. is rolling out a new pricing strategy that bases selling prices on current market data, rather than the manufacturer’s suggested retail price. In addition, new software allows them to present a menu of financing or leasing options. The goal of these transactions is to cut transaction times in half. It’s a learning curve- dealers are still testing policies that benefit a new generation of digitally savvy customers. For example, more dealers are moving away from writing price offers on paper and using digital software systems instead. The new systems allow salespeople to use an iPad to adjust variables such as the trade-in value of a used care or down payment. The information can also be sent directly to a sales manager, so the salesperson doesn’t have to run back and forth. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy quote by calling (888) 639-4560, or if you prefer email us or return the form on this page for more information about our Westchester County Insurance including Harrison car insurance. Source: Wall Street Journal

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New Rochelle Flood Insurance: Key Facts About Flood Insurance

New Rochelle Flood Insurance: Key Facts About Flood Insurance Since Hurricane Sandy, the Westchester County area has struggled to restore the damage done. In the aftermath of destruction, one tragic trend has emerged- too many property owners are either unprepared or underinsured against financial damages they could suffer in the event of a catastrophic flood. It’s a common mistake that most people assume their New Rochelle County homeowners insurance policy would cover them in case of a natural disaster, but that is not always the case. Certain areas along the eastern coast may be located in hurricane-prone areas, in which wind damage could be the main threat. Other New Rochelle homeowners may be situated in a flood-prone area, which in the case of a flood, would cause unimaginable damages. This was the case with Hurricane Sandy- this super storm ended up being a threat for flood damage as opposed for wind damage that is typically associated with hurricanes. Property Casualty 360 discovered that a minimum of 25% of properties damaged had no flood insurance coverage. Yet, there are plenty of reasons why New Rochelle Flood Insurance is a crucial guard against damages caused by floods, hurricanes, and other natural disasters. Obtaining the right New Rochelle flood insurance policy is designed to help protect your Westchester home and property against losses due to heavy rains, flood surges, storm drain backups, etc.. In assessing the risks, the Federal Emergency Management Agency (FEMA), placed more than 20,000 communities in the U.S. into a flood zone category. The Westchester County community participates in the National Flood Insurance Program. This government backed program is designed to assist property owners to purchase insurance protection against losses from flooding. We not only can provide insurance through the National Flood Insurance Program (NFIP), but also have critical access to alternative markets, which in many cases are better suited for the areas we serve where flooding is prevalent. As your insurance agent, we will consult federal flood maps to find your flood zone, which will affect the cost of your insurance, the type of coverage you need, and the limits of coverage for areas of your home that lie below the lowest elevated floor, such as basements and crawlspaces. Contact us today for more information about our New Rochelle Flood Insurance programs.  1 (888) 639-4560

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Fine Jewelry Insurance: Make Sure You’re Covered

Fine Jewelry Insurance: Make Sure You’re Covered Your jewelry collection is extremely precious to you. Whether you’ve amassed a family collection of heirlooms or some personal, highly valued gifts, you want to make sure you are protected. But misunderstandings of what exactly is covered in a homeowner’s policy could leave you high and dry if your jewelry is lost or stolen. At the essence of an issue is often a communication divide. There is a common disparity between perceived value and the actual value. An owner might have sentimental value, or overinflate the value of their jewelry, and have an estimate that conflicts with an expert opinion. Or, they might assume it is covered under their homeowner’s insurance when it really is much more valuable than that. Most homeowner’s policies do cover jewelry items. However, when the actual loss of an entire jewelry collection does occur, it is extremely rare that the owner receives a settlement that comes close to the true value of the missing items. To avoid that position, homeowners must have a firm understanding of the exact value of their possessions and base their insurance coverage accordingly. If you have a high end jewelry collection, you want to take the time to make sure every item is covered and properly insured for its current value. The key is documenting in detail, comprehensive information on each piece you own. Many jewelry appraisals conducted at local stoops- and their certificate of authority relies on simple sales techniques that may not adequately assess the value of a piece. It is essential that the value may have changed over time. The price of gold has increased significantly in the past 20 years; if you have an antique piece of gold jewelry; it is most likely worth significantly more today. High-value items need better protection than a standard homeowner’s policy. A.J. Benet offers sound, well-priced coverage for these valuable items either with a floater added onto your Westchester homeowners insurance policy or a stand-along policy . Contact us today for more information (888) 639-4560

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Westchester County Home Insurance: Keeping Critters Out

Westchester County Home Insurance: Keeping Critters Out Housing developments in former woodlands often have to contend with the areas previous residents. Squirrels, insects, raccoons, deer, and rodents all coexist with homeowners, often to the owner’s discontent. Westchester County Homeowners are looking for new ways to evict their unwelcome guests. According to the Wall Street Journal, about 30 percent of Americans used pest-control services last year, up from 20 percent in 2004. For animals, the suburbs is a win-win. The landscaping in suburbs, buffet line of garbage cans, and supply of food in the pantry are all enticing prospects for animals looking for a bunk. But the damage from critters can be significant. Deer forage your foliage and landscaping, raccoons ravage the garbage, and rodents including squirrels, rats, and mice chew their way into the house, damage soffits and electrical wires in the process. The threat of rabies and excrement from wild animals also raises health concerns. A rodent or animal infestation issue isn’t typically a reflection of the house’s years or cleanliness. In fact, sometimes newer houses are often the problem, being built with gaps allowing rodents to get in even when there isn’t a crumb in sight. Dangerous chemicals pose risks to homeowners, especially if they have pets or children. But there are other steps homeowners can take to rid themselves of unwanted house guests (at least the furry kind). Reinforcing houses, examining every nook and cranny to ensure there aren’t any construction gaps is one of the best ways to insure your house is fortified. Homeowners should check their dark garages and basements on a sunny day, looking for any hidden animals. Worn weather stripping around doors and spots where the cables runs through the wall are common entries for animals. And of course, if the problem persists and interferes with your daily life, it is best to hire an exterminator.

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Flood Insurance Facts of New York

Flood Insurance Facts of New York Flood insurance is an essential component to ensuring your home and business is protected. However, flood insurance does not come standard in most homeowners policies, a fact many are unaware of until it is too late. Flood insurance remains a somewhat murky concept. How much flood protection insurance do I need? Do I really need it if I don’t live in a flood-prone area? Does my homeowner’s insurance cover any part? Here are some facts about flood insurance that you made not have known: There is no such thing as a flood-free zone. Some low-lying areas, near water, or downstream near a damn are at a higher risk- FEMA updates flood maps periodically identifying low, moderate, and high risk flood areas. In a high risk area, your home is more than twice as likely to be damaged by flood than by fire. Even low-risk areas account for 20 percent of NFIP claims, and receive one-third of disaster assistance. Even a small amount of water can be a serious disaster. According to the Flood Cost Calculator Most homeowners insurance policies do not cover flood damage. It takes 30 days after purchase for a policy to take effect, so it is important to buy it sooner rather than later. The average annual U.S. flood losses in the past 10 years were over 2.9 billion. Two feet of water is enough to float a vehicle. New land development can increase flood risk, especially if the construction alters natural runoff paths. Over 5.5 million people currently hold flood insurance policies across the United States. In the event of a flood, there are numerous resources in New York that can aid you, in providing information and updates. The New York City Office of Emergency Management has a list of government organizations, including federal, state, and local, that help residents with flood related issues, ranging from temporary homes for displaced residents to general information. The Tri-State region has seen a significant increase in flooding. Flood and Excess Flood insurance is a crucial component of your insurance package to make sure you and your family are protected. At A.J. Benet, we have the expertise to help you secure a comprehensive Westchester County flood insurance plan. Depending on your needs and your home’s value, we will determine how much coverage you need…
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Thousands of Cars to be Crushed After Superstorm Sandy

Thousands of Cars to be Crushed After Superstorm Sandy A few weeks back, we looked at Hurricane Sandy’s impact on the Auto Industry in our blog post. This week, we’ll update you on the latest news. According to the Insurance Journal, the estimate of 230,000 insurance claims for vehicle damage remains unchanged. Thousands of vehicles are damaged beyond repair. In addition to sorting through the claims, there has been a huge issue of what to do with the cars. Many of the flooded vehicles were towed to holding areas. From there, they are being loaded onto car haulers and taken to facilities to be crushed. The damage has hurt individual owners and dealerships alike. In Brooklyn, NY, more than 7,000 brand new vehicles were parked in holding areas awaiting delivery to dealerships when Hurricane Sandy struck. The holding area was flooded with more than three feet of water. All resources were initially directed towards disaster and emergency relief efforts. Now that the immediacy has passed, government agencies are trying to get these vehicles towed to the holding areas, where they will be identified and crushed. The National Insurance Crime Bureau (NICB) is focusing its efforts on making sure the vehicles are identified. If you are looking to purchase a new car, be wary of buying any vehicle with previous water damage. Using the NICB’s VINCheck system, consumers can enter the VIN of a vehicle they are interested in purchasing to see if it has ever been declared as salvaged. Created in the aftermath of Hurricane Katrina, consumers can use the system to ensure they aren’t swindled into purchasing a flood damaged car, and to determine if a vehicle had ever been reported as stolen. You and your vehicles deserve quality Westchester County Auto Insurance from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy auto insurance quote by calling (888) 639-4560.

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Hurricane Sandy’s Impact on the Auto Industry

Hurricane Sandy’s Impact on the Auto Industry While many of the mass transit systems are up and running again, the auto industry is facing significant long term effects in the aftermath of Hurricane Sandy. The results are mixed, and often contradictory. Auto insurance claims are pouring in by the thousands. Demand for used cars is increasing as people seek to repair storm damaged ones, resulting in a shortage of rental vehicles available. The new car market will get a boost, but many dealerships have suffered losses and have to scrap thousands of brand new vehicles. Estimates by the National Automobile Dealers Association tally the results at up to a quarter-million vehicles across the East Cost may have been damaged by Hurricane Sandy. Nearly a month later, cars still line the streets, idly waiting to be towed. Rental cars are difficult to come by. Consumers need replacement cars for their own storm-damaged vehicles and emergency responders and local utilities need cars and trucks for the recovery effort. The result has left the rental car industry sorely scarce of vehicles. According to the New York Times, rentals for the four largest companies- Enterprise Holdings, Hertz Global Holdings, Avis Budget Group Inc. and Dollar Thrifty have all sold out in key location. Many are diverting vehicles from other areas to compensate for the high demand in the upcoming holiday season. Sales of autos have also seen a spike. Insurance companies have received thousands of auto claims, and many are looking to replace storm-damaged cars. But, auto dealerships located in storm ravaged areas have felt the effects. Despite the expected boost, large numbers of brand new cars were damaged. According to Auto Blog, Toyota, Chrysler, Nissan, and Honda are set to scrap around 15,000 new vehicles ruined by the storm. Contact A.J. Benet today for more information about our Westchester County Auto Insurance. (888) 639-4560 Source: Wall Street Journal

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Mamaroneck Renters Insurance: Apartment Walk-through Checklist

Mamaroneck Renters Insurance: Apartment Walk-through Checklist You’ve signed the lease, packed up the bags. But before you move into that brand new apartment, make sure to schedule an apartment walk-through with the landlord. Similar to a home safety checklist, our apartment walk-through checklist can help ensure that you avoid any fees for damages inflicted by the previous tenant when you move out. Here’s our Apartment Walk-through Checklist Apartment Walk-through Checklist Tip #1 – Come prepared. Bring a camera to document any problem areas or damages you find. During the walk-through, take notes. And, it helps to bring a tape measure to make sure your furniture will fit through them- it will ease any moving difficulties ahead of time. Apartment Walk-through Checklist Tip #2 – The basics. Keep an eye out for insect or rodent infestation, such as droppings or chew marks. Plug your cell phone charger into the outlets. And make sure home phone and cable jacks are available, functioning, and accessible. Apartment Walk-through Checklist Tip #3 – Safety checks. Proper fire safety equipment should be installed throughout the apartment. This includes smoke and carbon monoxide detectors, as well as fire extinguishers. Make sure all safety equipment is working, and located in the proper areas. If you’re living in a large apartment complex, find the fire escape plan and make sure you know where to go in the event of a fire or other emergency. Apartment Walk-through Checklist Tip #4 – Doors & windows. Check that all windows and doors open and close properly, and make sure the screens on all the windows are intact. Test all the locks; if there is more than one type of lock, make sure you the necessary keys. Apartment Walk-through Checklist Tip #5 –Bathroom & Kitchen. Run all the faucets, and check for leaks underneath the sinks. Make sure all the appliances and plumbing are working as well. Check the shower head, and make sure the water heats up, and the water pressure is good. Apartment Walk-through Checklist Tip #6 – Bedroom & Living Room. Check all light switches, and test the air conditioner. Look for cracks in the wall, and check aesthetic details such as carpet stains, chipped paint, or nail holes in the wall. When the walkthrough is complete, schedule any repairs, and make sure to sign a document detailing the agreed-upon condition of the property.  Make sure to be detailed and thorough, and take…
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