: : : NYBEST BUY INSURANCE : : : Faq's

How do I know if I have enough insurance coverage?

A. The best way to answer this question is to ask yourself "How much will it cost me to replace or repair my personal property if I actually sustain a loss". Once you calculate this value then look at your current insurance coverage limits and you will get a good indication if you are adequately covered. We will be happy to guide you through the process of determining if you have ample insurance coverage and then provide you with a no cost or obligation price estimate.

Do I really need Life Insurance?

A. The answer is No. You don't need life insurance, but your family needs you to have life insurance. We all want to ensure that our families are protected as best we can. The loss of a loved one is traumatic enough for the family. The loss of their home and financial well being should not be an additional burden they should have to face. This is why your family needs you to have Life Insurance.

What are some ways I can reduce my insurance premiums without reducing my insurance coverage's?

A. Simply take a close look at your existing insurance policy(s). Make sure your policy reflects any of the following;

	Are you getting the appropriate discounts on your insurance for multi cars on your policy or multi policy discounts from your current insurance company?
	Is your car kept in a garage? If so is this reflected?
	Do you have your Defensive Drivers Course? If not take one, It will save you 10% on all auto coverage excluding comprehensive.
	Are you or did you have a young driver (under 25) living at home on your policy who is now over 25 years of age or is no longer living in your house?
	Do you have personal items like jewelry or a fur coat on your policy that you no longer own?
	Were you single and are now married?
	Let us review with you, your existing policy(s) to see if you have the best possible coverage for the least amount of money.