DeNooyer Direct Insurance Services, LLC

2038 Central Avenue
Albany, NY 12205

Insurance Blog

What Type of Carrier Discounts Are Available?

Career insurance is a must if your company owns a fleet of carrier vehicles that it uses daily. The agents at DeNooyer Direct Insurance LLC are available to assist Albany, NY business owners in finding the right type of insurance policies to meet their needs. When a fleet of carrier vehicles is involved, carrier discounts can be a lifesaver.

GPS Tracking

GPS tracking devices can be put in delivery and carrier vehicles to determine where they have been and if the driver is staying on the designated route. GPS tracking systems will also help you determine the best possible routes during deliveries.

Dash Cams

Dashcams are a great way to determine what happened during the travels of the carrier vehicle. A dashcam can provide proof of what exactly happened during an accident. It can also show how the driver handles the vehicle and whether or not they are being responsible behind the wheel.

Multi-vehicle Policies

The more vehicles you have in your carrier fleet, the better your discount will be. Hiring responsible drivers who take pride in their driving record is also a must. Multi-vehicle policies offer several carrier discounts that are designed to meet the needs of the company purchasing the policy.

DeNooyer Direct Insurance Services LLC serves companies located throughout the Albany, NY area. If you are in charge of purchasing insurance for a company with a fleet of carrier vehicles, then contacting their office is in your best interest. Don’t let your drivers take to the highways without the proper insurance coverage. Call today and discuss what your options are in terms of carrier discounts and make an informed decision that will help protect your business’ interests.

Common myths about recreational vehicle insurance

With so many insurance options in the market today, it is almost impossible to navigate through without hearing myths about various insurance policies. A famous victim of these misconceptions is Recreational Vehicle or RV insurance. Many people cannot differentiate between myths and facts about RV insurance.

If you are shopping for RV insurance in Albany, NY, our insurance team at DeNooyer Direct Insurance Services LLC can help you with valid information. We also take further steps to advise you on the best coverages based on your budget, so that you can make an informed decision.

 Myth 1: If you rent an RV from a company with RV insurance, you can benefit from it.

You need to understand this and also seek clarification from the company before making assumptions. You should also have your own form of insurance because you may be held liable for injuries or damages that occur while you are using the vehicle.

 Myth 2: RV insurance coverage is not necessary if you have auto insurance

This is the myth of the century. Don’t be fooled by the fact that RV insurance is not mandatory in most states. RVs are quite expensive to buy or rent. They, therefore, need more liability than average automobiles. Keep in mind that it is not just the RV that is being covered but also your personal belongings in the RV.

Myth 3: RV insurance covers all the possessions inside the RV

Just like home insurance, RV insurance does not cover all your belongings because there is a limit. That means that they are covered up to a certain amount. Let your company explain this in detail before allowing you to sign your insurance form, as there is a likelihood that you will require extra coverage.

When shopping for RV insurance in Albany, NY, you must have the right information beforehand. DeNooyer Direct Insurance Services LLC can help you find the answers to your questions. Contact us, and we will be glad to help you.

Should I Get Gap Insurance?

What is Gap Insurance?

Gap insurance is optional, but sometimes necessary many occasions for auto insurance. It includes car insurance coverage that assists in paying off an auto loan if the vehicle is stolen or totaled, and the amount still owed is more than the vehicle’s depreciated value. This type of insurance is also known as “loan/lease gap coverage”. Gap insurance is also meant to use along with the comprehensive or collision coverage.

Determining Whether if It’s Worth It for You

Now that you know what gap insurance is, you may think that gap insurance is needed. It will ensure I am covered with no unpleasant surprise whatsoever. However, there are times when someone shouldn’t get gap insurance. The following includes when you shouldn’t get gap insurance:

  • If your auto loan is under 60-months old.
  • If you put more than a 20 percent down payment
  • When the value of the car is less than you owe
  • If you can afford to pay out-of-pocket the difference if the vehicle is totaled

Most of these reasons are self-explanatory, whether you should get gap insurance. However, it wouldn’t make sense to purchase gap insurance when you can pay the difference out-of-pocket because you will pay extra to get gap insurance along with the comprehensive/collision coverage. Why pay for extra if you can manage to pay out-of-pocket only if the vehicle gets stolen or totaled. Also, in many cases, an auto loan that is lower than 60-months old will be for a vehicle that is not more than what it is worth even though the vehicle depreciates quickly in the first year or so. 

Conclusion 

There are various factors that you need to consider determining whether you should get gap insurance. And thus, it will behoove you to consult an insurance company where you will be in good hands.

DeNooyer Direct Insurance Services LLC is the proven insurance company to turn to. Located in Albany, NY, DeNooyer Direct Insurance Services LLC includes highly trained, experienced staff who are more than happy to assist you in the right direction. And we at DeNooyer Direct Insurance Services LLC have been serving the Albany NY area for several years now. So, contact us today for a quote.

Common Misconceptions about Umbrella Insurance

Many people are confused about umbrella insurance and what it has to offer. Umbrella insurance provides extra liability coverage to protect you against serious accidents you may cause. This coverage exceeds the limits of your auto, home or renter’s insurance policies. The following facts from DeNooyer Direct Insurance Services LLC in Albany, NY help dispel misconceptions about umbrella insurance so you can make wise decisions concerning this protection.

Misconception: Umbrella insurance protects your jewelry, artwork and other costly items.

Fact: Umbrella insurance offers liability coverage, not protection for personal property. Liability insurance pays for injuries or damage you cause others in accidents that are your fault. Umbrella insurance starts once the limits of your home, auto or renter’s liability coverage have been exhausted. 

Misconception: Umbrella insurance replaces home, auto or rental liability coverage.

Fact: Umbrella insurance works in conjunction with home, auto or rental liability coverage. In fact, you cannot obtain umbrella coverage unless you have other forms of liability coverage.

Misconception: Umbrella insurance is extremely expensive.

Fact: Umbrella coverage is actually quite affordable, taking into consideration the protection it has to offer. Policy costs vary depending on the amount of coverage you desire. If you own a lot of property or have substantial assets, you’d do well to purchase sufficient umbrella coverage to protect these assets against large liability claims that can lead to lawsuits. 

Misconception: Only wealthy people need umbrella coverage as they’re more likely to be sued for accidents.

Fact: Even "ordinary" people can be sued if they’re found negligent for an accident. A lawsuit can cost you your savings, retirement or investment funds, not to mention funds from future income to settle a liability claim. Umbrella insurance can protect your assets by covering settlement costs.

To learn more about umbrella insurance, contact DeNooyer Direct Insurance Services LLC in Albany, NY.

3 Energy Saving Tips From DeNooyer Direct

Utility costs can skyrocket during an Albany, NY winter. Saving energy is not only eco-friendly, but it also saves you money by lowering your utility costs and being friendly to your monthly budget. At DeNooyer Direct Insurance Services LLC, our agents can provide you with energy-saving tips you can use to lower your utility costs and still maintain a comfortable home. Aside from having your electric company perform an energy audit, there are many other things you can do to control how you use energy in your home. 

Install "Smart" Devices

"Smart" devices are often included in home security system packages and allow you to manage several devices at one time with a simple Wi-Fi connection. A smart thermostat can adjust the temperature of your home so that less energy is used while you are asleep or away. You can also set your indoor and outdoor lights to timers that will turn them on and off as needed. 

Weatherproof Your Windows

One of the biggest areas for energy loss is around your windows. Once a year, check your weatherstripping or see if the caulking around your windows is still in good shape. This will prevent drafts, keeping the warm air in your home in the winter and the cold air inside in the summer. 

Let the Light Shine In

Instead of turning on lights during the day, open your curtains and let the sunshine in. If you don’t want people to see inside your home, add a set of sheer curtains that will block the view but still let the light shine through.

Call or visit DeNooyer Direct Insurance Services LLC if you want to learn more about saving energy and keeping your energy costs low. Our agents are always available to help residents of Albany, NY get the answers they need.

3 Energy Saving Tips From DeNooyer Direct

Utility costs can skyrocket during an Albany, NY winter. Saving energy is not only eco-friendly, but it also saves you money by lowering your utility costs and being friendly to your monthly budget. At DeNooyer Direct Insurance Services LLC, our agents can provide you with energy-saving tips you can use to lower your utility costs and still maintain a comfortable home. Aside from having your electric company perform an energy audit, there are many other things you can do to control how you use energy in your home. 

Install "Smart" Devices

"Smart" devices are often included in home security system packages and allow you to manage several devices at one time with a simple Wi-Fi connection. A smart thermostat can adjust the temperature of your home so that less energy is used while you are asleep or away. You can also set your indoor and outdoor lights to timers that will turn them on and off as needed. 

Weatherproof Your Windows

One of the biggest areas for energy loss is around your windows. Once a year, check your weatherstripping or see if the caulking around your windows is still in good shape. This will prevent drafts, keeping the warm air in your home in the winter and the cold air inside in the summer. 

Let the Light Shine In

Instead of turning on lights during the day, open your curtains and let the sunshine in. If you don’t want people to see inside your home, add a set of sheer curtains that will block the view but still let the light shine through.

Call or visit DeNooyer Direct Insurance Services LLC if you want to learn more about saving energy and keeping your energy costs low. Our agents are always available to help residents of Albany, NY get the answers they need.

Benefits of getting carriers discount insurance in New York

The transportation and shipping industry is very important as it ensures that your needed products are able to get from the manufacturer to your home. Due to this, there are many different companies that provide some very valuable services in this industry. These companies include carriers, which are responsible for transporting goods. For those that are in this industry in the Albany, NY area, getting the proper insurance is very important as it can benefit you in many different ways. 

Provides Liability Protection

Those that get carriers insurance will first benefit from getting liability insurance protection. When you get this type of insurance, you will receive coverage if you are held liable for any type of accident. This could prove to be very valuable, especially if you are liable for any accident or loss that results in serious damages.

Asset Protection

Carriers also need to consider their assets, which are major investments and extremely important. The best way that you can protect these assets is through an insurance policy, which will give you coverage up to your policy limit. This will ensure that you get the coverage that you need if an asset is damaged, vandalized, or stolen, which could help to keep your business solvent in these situations. 

If you need to get a carriers discount insurance policy in the Albany, NY area, you should contact the team at DeNooyer Direct Insurance Services LLC. When you speak with our insurance professionals, you will learn a lot more about how this type of insurance can protect you and your assets. DeNooyer Direct Insurance Services LLC will then help you find a policy that properly protects your needs based on your personal situation. 

What is Recreational Insurance?

Recreational insurance is insurance for your recreational vehicles, including motor homes, motorcycles, boats, and ATVs. While it differs in some ways from car insurance, it is just as necessary. If you need recreational insurance, DeNooyer Direct Insurance Services LLC in Albany, NY can help. 

Recreational Use

One of the differences between standard insurance and recreational insurance is that recreational coverage is not for vehicles that you use every day. If an RV or motorcycle is your daily driver, you may need a different type of insurance. Recreational insurance can usually offer lower rates because you aren’t using the vehicle every day, similar to classic car insurance. 

Passenger Coverage

One of the advantages of recreational insurance is that it covers passengers. If someone is riding on your ATV, boat, or RV and become injured, any medical or other expenses will be covered by your insurance. This is something many people don’t consider when they are going out for a day of fun, but you need to make sure that anyone with you is adequately covered in the event of an accident.

Liability 

Of course, recreational policies cover liability. If you have an accident and do damage to someone’s property, this will be covered by your insurance policy. Accidents do happen, even when you’re on the water or in the woods. 

Full Coverage

Your recreational vehicle is an investment, and it’s essential to protect it as well. If you have a lien on it, then you may be required to carry full coverage insurance. Even if it’s not required, it’s wise to protect your investment.

Recreational insurance allows you to fully enjoy your recreational activities, knowing that if the worst happens, you and your investments are protected. If you need recreational insurance in Albany, NY, contact us at DeNooyer Direct Insurance Services LLC today.  

 

Steps to Take for a Safe Road Trip

Getting away for a while and packing your car for a road trip? You’ll want to enjoy every minute of your time away. Here are a few steps you’ll want to take to make sure that you have a great trip. The Albany, NY agents at DeNooyer Direct Insurance Services LLC know what it’s like to want to keep your family safe while on the road.

Have a Road Ready Vehicle

Start with getting the vehicle you plan to drive in tiptop shape. Check the tire pressure and the tread. The oil should be changed every 3,000 miles or every 3 months. Take the time to get to a mechanic and have them check the brakes and top off all of your fluids, including brake, coolant, and windshield wiper fluids.

Get the Right Equipment

The road is where you don’t want to be left without any emergency equipment. 

  • Road flares and other safety items, like a first-aid kit

  • Blankets and pillows

  • Snacks for kids

  • Water or juice

  • Matches and flashlights

  • Extra cell phone battery or portable charger

Rest Up Before You Go

Even if you plan to leave before dawn, as the driver you should get at least 8 hours of sleep. Driving for long periods does not just make you sleepy, but it can tire your body out and stiffen your muscles. If there are other adults on the trip, you should allow them to take the wheel for a few hours. You can also stop every few hours to stretch.

The most important rule you must follow before taking a road trip is to have the right amount of auto insurance. DeNooyer Direct Insurance Services LLC in Albany, NY can get you matched up with the right type of coverage for your needs.

Should You Have an Umbrella Policy?

Umbrella insurance in Albany, NY is additional liability coverage that will kick in once you have already exhausted your home and auto insurance. Since the point of this policy is to protect assets from a lawsuit, it makes sense to get this policy when you have assets to protect.

Depending on your lifestyle, you may have additional risks that make having umbrella insurance an attractive option. For those who own boats, cars, or other vehicles, coach youth sports, have dogs, have guests in their home, have rental properties, or who talk about other businesses and people, an umbrella policy can provide protection against lawsuits. These activities can increase the chances of a lawsuit even if they may seem harmless.

In order to determine if an umbrella policy is right for you, start by calculating your net worth. This is the value of all your assets, including cash in the bank, your home, stocks and bonds, retirements accounts, and anything of financial value. Then subtract your debts to determine the net worth. Next, find out how much liability coverage you already have on your existing policy. For an auto policy, you need to look at three different numbers. Take the number you found in the second step and subtract it from the number in step one. The difference is the amount of money that you have that can be up for grabs in a lawsuit. An umbrella policy to cover this will give you full protection. For many people, a basic umbrella policy of $1 million is enough. You should have more coverage if your assets left unprotected total more than that. An agent at DeNooyer Direct Insurance Services LLC can help you determine the best amount. You aren’t able to bump up coverage while you are in the middle of a lawsuit so it can be better to have too much instead of too little.

Contact DeNooyer Direct Insurance Services LLC, serving Albany, NY, to get a quote on umbrella insurance. 

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