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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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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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Westchester County Auto Insurance: A Guide to Car Insurance

Westchester County Auto Insurance: A Guide to Car Insurance Insurance is as complex as it is confusing, especially when it comes to Auto Insurance. Knowing which coverages you need is crucial to you & your family. Everyone who has ever purchased an insurance plan knows how overwhelming it can be to take in this much information, which is why we created this insurance friendly, simplified cheat sheet on the basics of Westchester County Auto Insurance. Once you read this over, give us a call and let us help you determine the right amount of coverage for you, at the right price. All descriptions below are simplified descriptions of common auto insurance coverages. All auto insurance coverages are subject to the individual limits, terms and conditions of the auto insurance actual policy that you purchase. Bodily injury liability coverage – In general, bodily injury liability can pay for damages to the driver and passengers of the other car when you are responsible for an accident. Another benefit of this coverage is that it can provide coverage to help defend you if you are sued. Property damage liability coverage – Property damage liability coverage is designed to help pay for property damage of the other parties involved when you are responsible for the accident. This coverage can also assist you to defend yourself in court if you are sued because of an accident. Medical payments coverage – Medical payments coverage generally covers you and your passengers for medical expenses from injuries sustained in an accident. Uninsured or underinsured motorist bodily injury coverage – Uninsured or underinsured motorist bodily injury coverage is designed to assist in payment of damages for bodily injury to you and your passengers when caused by another in an accident. and the person legally responsible either has inadequate or no insurance. Collision coverage – Collision coverage generally pays for damage to your automobile in the instance that you hit another car or object. Comprehensive coverage – Comprehensive Coverage pays for damage to your car if it is stolen or damaged by certain causes other than collision. Some examples of this is claims such as hail, vandalism, or theft. The right protection is the protection that matches your needs. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite…
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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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Home Insurance: Protect Your Home While Your Away for the Holidays

Home Insurance Protect Your Home While Your Away for the Holidays Whether you’re flying across the country or driving down the street, the holidays is one of the busiest travel times of the year. You’re focused on herding the kids, gifts, and family dog in the car, making sure no one and nothing is left behind. But what about your home?  Thieves are opportunists- they will break into homes left vulnerable and unattended. Take a moment to beef up your home’s security while you away. Just a few simple tricks can help put your mind at ease. Put interior and exterior lights on timers/motion sensors. Set the timers on staggered hours to turn lights on and off at different times. Install tapered deadbolt locks on entry doors. The taper makes it extremely difficult to use a wrench or other tool to twist the lock open. Get someone to maintain your property by removing snow or mowing the lawn. Suspend the mail service and newspaper delivery, or ask a neighbor or trusted friend to pick it up for you. Newspapers lying in the driveway is a surefire indicator that no one is home. Install a monitored security system. Inform the local police department that your house will be empty. Ask a neighbor or friend to watch your house for you and check on it every so often. If possible, getting someone to house sit would also be a great option. The experts at A.J. Benet know how hard you work to protect your family year long. A package policy allows you to take advantage of benefits by consolidating multiple policies, such as  home insurance, with one insurance company. A.J. Benet offers Westchester County Home Insurance policies from top-tier insurance companies that are designed to insure your liability risks and property under one master program, helping to mitigate the problems you can encounter when you have multiple policies with different insurers. Contact us today for more information. Source: Insurance Institute for Business & Home Safety

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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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New York News: Class Divisions & A Golf Course

New York News: Class Divisions & A Golf Course The State of New York has given New York City 97 million dollars to develop a public 18-hole golf course on the newly re-constructed Perry Point Park. The park sits in the poorest borough of New York City, the Bronx. Many residents have voiced their perspectives and concern, such as the incomprehensible spending and the potentials risks of methane gas exposure. The construction of the golf course at Ferry Point Park is the most reprehensible symbol of class division and money distribution. Although the economically thriving state of New York still holds a large percentage of the nation’s top earners, the Bronx couldn’t be any more different. While Manhattan’s average household income between 2002 and 2010 has grown by $29,000, the Bronx has hardly bounced back from the recession and has only increased by $8,000.  According to the poverty results taken in 2009 by city-data.com, 34.4% of those who reside in the Bronx have an income below the poverty level. This is 16.2% more than the nation’s poverty level. In the United States Census Bureau’s American Community Survey, 1 in 5 households (1.8 million residents) in New York rely on food stamps. Their economy is still at the climax of the recession; home ownership has declined, housing values have plummeted, and fewer individuals carry health insurance. This poses an essential question; is spending 97 million dollars and turning over acres of land to build a golf course a feasible and efficient use of the city’s resources. In addition, the Ferry Point Golf Course will sit on a landfill that closed down in 1963 and has since been holding high levels of explosive methane gas. Although New York City has installed wells to measure and track the explosive level, residents are still righteously concerned that they are breathing lethal gas. While many residents are against the construction of another Trump National and International Golf Club, there many advocate for the construction. The Mayor’s administration has emphasized the history of golf as a past time. They stated that despite the decline in the use of golf courses, the Ferry Point neighbors expressed their overwhelming desire for a golf course in 1977. The administration argues that golf has been an important pastime for Americans for the past half of a century. Other park advocates…
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Mamaroneck Flood Insurance: How to Prepare for a Flood

Mamaroneck Flood Insurance: How to Prepare for a Flood When you live in areas like New York, you are frequently exposed to natural disasters such as hurricanes and floods. Although many are not as devastating as some, it is always beneficial to be prepared. Part of that includes investing in Mamaroneck Flood Insurance. Call us today for a free quote. (888) 639-4560 Earlier this year, the Huff Post addressed Westchester County’s (New York metro) vulnerability to severe flood disasters. New Jersey based non-profit news and research organization, Climate Central, states that there are several factors that contribute to Westchester County’s susceptibility to flood. As sea levels are rising and New York’s susceptibility to flood have increased dramatically, global warming has tripled the chance of New York state’s exposure to an extreme flood disaster. Fortunately, this knowledge has spread all over the globe and has motivated individuals and groups to create flood control plans. Here are several tips on how to prepare for floods in Mamaroneck Flood Insurance Tip #1 – Be knowledgeable and do some research. There are several websites that estimate your region’s susceptibility to floods. Websites like, Surging Seas, calculate your zip code’s flood risk through its sea level rise, storm surge, and tide. Flood Insurance Tip #2 – Prepare an emergency plan. Most communities have already devised fixed emergency plans, warnings signals, and evacuation routes—take advantage and learn it. Take this a step further and practice a flood evacuation route with your family. Flood Insurance Tip #3 – Create an emergency supply bag.  The essential things to store in this bag are non-perishable food, can opener, first aid kit, prescription medicines, blankets, large containers of water, extra clothes, and sturdy shoes. Flood Insurance Tip #2 – Identify potential hazards in and around your home. Learn how to secure and protect them in the event that a flood does occur. You may even want to have an electrician raise any circuit breakers, switches, and socket. 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. Since 1964, A.J. Benet has provided Mamaroneck flood insurance to residents in…
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Mamaroneck Auto Insurance: How to Help Prevent Parking Lot Accidents

Mamaroneck Auto Insurance: Prevent Parking Lot Accidents You know the drill. As summer months wind to a close, and the kids head back to school that also means the Mamaroneck holiday rush around is close to beginning. The fall and Halloween decorations are out; it’s followed closely by Thanksgiving, and before you know it the full holiday cycle is in swing. This post is provided by A.J. Benet’s Mamaroneck Auto Insurance programs. Call us today for a free quote. (888) 639-4560 With the festivities, this also means that the malls, outlets, and grocery stores will be severely overcrowded.  During the holidays, the frequency of parking lot accidents increases by approximately 20 percent according to a study by a national insurer. To help protect  your car from dings and dents, follow these parking lot tips: Watch your speed. It is easier to avoid potential accidents if you have time to brake. You can avoid cars that are speeding, cut in front of you, or that pull out unexpectedly from their parking space. Check your mirrors…twice. Use your eyes and mirrors to make sure that you have a clear path before backing out (or pulling in) front of a space. Take the scenic route. Park your vehicle farther from store entrances. It is generally less crowded, and  your car is less likely to get dings or scratches on it. Despite your best efforts, if you do happen to get into a parking accident, report it to the police and your insurer immediately. Even if it seems minor, reporting it makes sure you’re protected in case the other party doesn’t have insurance or files a claim. Whether crossing the George Washington Bridge, driving home on the Hutch or making your way up Interstate 684, Alan J. Benet, Inc. provides Mamaroneck Auto Insurance for drivers from New York City to Westchester County and nearby Connecticut and New Jersey with personal Mamaroneck Auto Insurance plans to protect against unforeseen damages and injuries. Contact us today for more information about our Mamaroneck Auto Insurance Alternative Source: Fatalities & Injuries in Motor Vehicle Backing Crashes

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