insurance

Preserve the Past: How to Choose the Right Classic Car Insurance Policy

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If you’re in the Amityville, NY area and looking for classic car insurance, Acme Insurance Brokerage is here to help. Our agents understand the unique needs of protecting a classic vehicle, and we can provide you with information and quotes from multiple insurers to help you find the best option for your needs. Here’s what to consider to make choosing the right policy easier.

How Much Do You Drive Your Classic Car?

Most classic car owners don’t drive their vehicles frequently, but some do. If you drive your classic car often, you may need a different type of insurance than someone who primarily stores their vehicle. Either way, there’s a policy that can fit your lifestyle and protect your car.

Where Do You Store Your Vehicle?

Storing your vehicle in a secure facility is different from parking it in your driveway with a cover over it. The storage method impacts the risk of loss and other factors, which will influence the type of insurance you need. We’ll ask about your storage details and driving habits to help find the right policy for your situation.

Do You Travel With Your Car?

If you take your classic car to shows and events, it’s important to ensure you’re protected while away from home. Working with our agents makes it easier to find coverage that fits your needs, so you can enjoy the experience without worrying about your car.

Get in Touch for Policy Information Today

Contact us at Acme Insurance Brokerage today if you’re in the Amityville, NY area and looking for classic car insurance. We’re here to help you choose a policy that provides excellent protection and gives you peace of mind, so you can fully enjoy your classic car for years to come.

Are Older Homes More Difficult to Insure?

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Amityville, NY, and its surroundings are home to many older houses. If you’ve considered buying one, you may find that some insurance carriers won’t provide you with a policy. This is because older homes have inherent risks that new constructions or buildings less than 10 years old don’t have. Finding an affordable policy may require some additional effort. However, Acme Insurance Brokerage works with several reputable providers to insure your older home.

Factors Affecting Insurance for Older Homes

Purchasing your unique home may be a dream come true for you, but some insurance companies shy away from protecting them. That’s because replacing structures and systems that are decades or even over 100 years old can be more expensive. In addition, rebuilding an older home is more costly, particularly if the building isn’t up to code or if some materials are difficult to find. Insurance costs generally rise when a home is 40 years or older.

Several common factors affect the cost of policies for older homes. These include:

  • Roofing age and materials
  • Old electrical wires pose a fire hazard
  • Outdated plumbing and sewer lines
  • Outdated construction techniques

How You Can Insure Your Vintage Residence

Some insurers will allow you to supplement a standard HO-3 homeowner’s policy with special coverage for your home’s age. Be aware, though, that if your home is exceptionally old, you may not qualify for an HO-3 policy. In these cases, you must find a provider that will issue an HO-8 policy. If your older home is in excellent condition, an HO-8 policy may be less expensive than an HO-3. You should remember that water damage is usually not included in the list of HO-8-covered perils.

Learn how Acme Insurance Brokerage, serving residents of Amityville, NY, can help you save money on coverage for your older home. Contact our representatives today.

Here’s Why Motorcycle Drivers Need to Drive Defensively

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Defensive driving is crucial whether you’re driving a motorcycle, truck, or car. However, motorcycle drivers are exposed to more risks in some ways, making defensive driving even more vital. Equally important is having the right motorcycle insurance plan. Acme Insurance Brokerage offers motorcycle insurance plans in Amityville, NY, so reach out if you need assistance.

The Importance of Defensive Driving for Motorcycles

Vehicle safety has significantly improved over the years, especially for enclosed vehicles. Features like airbags, seat belts, crumple zones, and others make cars and trucks safer to drive today. Unfortunately, many of these features aren’t practical on a typical motorcycle.

However, motorcycle motorcycle safety has also improved. Modern braking systems, helmets, riding suits, and other safety gear and features save lives. Still, a rider is more exposed on a bike than in a car. Moreover, while bad weather threatens all vehicles, it can be particularly hazardous for motorcycle riders.

The best course of action is to avoid accidents altogether. This means adhering to speed limits, avoiding risky behavior like dangerous lane splitting, and checking the weather before you ride. If bad weather is forecasted, it may be best to postpone your ride.

Ultimately, being aware of your surroundings on the road is crucial. Even if you’re a perfect driver, another driver could cause a serious accident that could leave you injured. You can protect your bike and well-being by watching for risks and extricating yourself from dangerous situations.

Motorcycle insurance is also crucial. If you need help selecting a plan in Amityville, NY, contact Acme Insurance Brokerage immediately. We’re always ready to assist motorcycle owners.