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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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5 Tips to Avoid a Traffic Accident

There are plenty of ways to get into a car accident. It’s not easy to prevent, but here are five tips to help you avoid a traffic accident. With the independent insurance agents in Scotia, NY, at the DePaulo Agency, you’ll be able to have auto insurance in no time.

1. Prevent Distractions

Keeping your eyes on the road is one of the best ways to avoid an accident. When your attention is pulled elsewhere, it is easy to miss a car swerving into your lane or when busy traffic come to a halt.

2. Eating

Forget about grabbing a quick bite on the way to work. Eating takes your hands off of the wheel and your eyes on the road every time you dip your fries into the ketchup.

3. Cell Phone

Other than following the GPS to get to your destination, you should keep your phone out of view. Texting or watching videos are great ways to cause an accident.

4. Watch for Road Signs

Missing a road sign might seem like a frivolous thing, but you could easily hit another vehicle if you are not paying attention to the traffic signs.

  • Construction signs – can let you know if a lane ahead is closed or if there are workers nearby.

  • Stop signs – if you miss a stop sign, you may t-bone someone.

5. Be on the Defensive

Avoid other drivers that are distracted or driving recklessly. You may think you’ll get a rush from outmaneuvering the vehicle in front of you, but all will get is a ticket or perhaps worse.

Stop by the DePaulo Agency in Scotia, NY where agents will work to get auto insurance for your vehicle. They’ll also be able to help you set up policies concerning life insurance, homeowners insurance, and commercial insurance.

 

Safety Tips To Protect Your Car From Theft

At DePaulo Agency, the agents constantly helping clients find ways to protect their cars from theft. While Scotia, NY  is a quiet community, there are still instances of theft that must be dealt with on occasion. Agents are able to identify possible areas of risk and help their clients take the necessary precautions that will help them to prevent any type of financial loss.

Never Leave Valuables Laying Out

Never leave valuables such as cell phones, wallets, purses, or jewelry laying out in the open where everyone can see them. If you carry valuables with you, make sure to stick them in the trunk. so that they are out of sight and inaccessible if a person tries a smash and grab maneuver.

Always Lock Your Car

Always keep your car locked and your windows up. You may be able to keep your windows rolled down a short distance but avoid opening them more than a half an inch or so. This prevents an intruder from sticking something through the window and engaging the door lock.

Set Your Alarm

Most new cars that come off of the lot today have alarm systems already built in. In addition to locking the doors, make sure to set the car alarm. If any attempt is made to enter the vehicle, an alarm will sound that will act as a deterrent and causing most would-be thieves to scatter.

Residents of Scotia, NY can turn to the agents of DePaulo Agency if they have questions about lowering their risk of theft when it comes to their cars. Schedule an appointment today and have your auto policy evaluated to ensure you’re getting the best coverage possible. 

Is Comprehensive Auto Insurance Worth It?

Comprehensive auto insurance can mean different things to different people, but essentially you’re getting coverage on yourself and your car as well as any other car, person or property you may hit. There are certain events, such as hit-and-run accidents in Scotia, NY, that may not be covered under comprehensive auto insurance, but most major events will fall under the comprehensive package. 

Is It Worth It?

If you’ve been given a car by a relative for free and you know you have savings to buy another car should it be totaled, you probably don’t need comprehensive coverage. You may want to up the limits on your policy if you haven’t looked at it in a while, but buying comprehensive coverage is likely not necessary. However, most people aren’t sure of how they’ll get to work if their car is no longer an option, nor are they prepared to buy something new or pay for expensive repairs if they do happen to cause an accident. It can be extremely stressful on the responsible party, and one that they’re not ready to bear. In this case, buying the comprehensive auto insurance is both helpful for your finances and for your state of mind. 

Making Better Choices 

DePaulo Agency can help you decide on a better policy if you should need one — whether it’s comprehensive or not. We won’t push you toward one decision or the other, we’ll just give you the facts and the possible consequences of each potential option. Insurance can get confusing, and sometimes people just need a short conversation to sort out more about the basic facts and situations. To find out more about about comprehensive coverage in Scotia, NY, call DePaulo Agency to speak to our staff and get the answers you need today. 

Driving in Scotia and Avoiding Road Rage

Did you know that aggressive driving directly influences about 66 percent of traffic fatalities? Yes, you read that right. If road rage could be better treated and handled, there are far fewer deaths that would occur on our roadways. This is why it’s imperative to make sure you are avoiding road rage as much as possible. Fortunately, there are several tips you can follow to help ensure you stay as safe as possible while traveling, as well as keep those safe who are traveling with you. 

Make sure you have a firearm permit

If you’re going to carry a firearm on you when traveling, you will need appropriate licensure. Even more important is that you make sure you won’t use the firearm in any type of road rage incident. With firearms being used in more than 30 percent of aggressive driving incidents, it makes sense that keeping these guns at bay during road rage is the smartest move to make. 

Avoid drinking and driving

Abusing alcohol and other drugs is a sure way to end up in a vehicle accident that involves road rage. When this happens, regardless of whose fault it is, having alcohol or drugs in your system and being behind the wheel of a car will land you in jail for at least a DUI. To avoid road rage, make sure you are aren’t drinking and driving or abusing drugs. 

To learn more about avoiding road rage in Scotia, contact DePaulo Agency today. A qualified agent is ready to answer any questions you may have about road rage, as well as provide you with great advice on topics related to insurance. 

The Most Important Things to Consider Before Driving Abroad

Scotia, New York, located just outside of Schenectady, gets incredibly cold in the winter. Snow buries the entire upstate New York area every winter due to the weather coming off the nearby Great Lakes, making it one of the snowiest parts of the continental United States. In other words, you might be looking to get out of Scotia come winter, maybe on an international trip to somewhere warm. So if this is your plan, or you’re just heading out of the country from Scotia, New York any other time of the year, and you’re planning on driving in this foreign destination, you should consider a few things.

First off, research whether you can drive in your ultimate destination with just your American driver’s license. Each country has different rules about drivers and their licensing requirements. Many require foreign drivers to have an International Driving Permit, or IDP, which can be purchased for a small fee from the National Auto Club or AAA. You must also be 18 to obtain an IDP.

Yet when it comes to auto insurance, international coverage usually can’t be done through your insurance provide in the United States. Of course, there are a few exceptions. For travels to South America, Asia, Europe or most anywhere else, coverage will need to be obtained from an independent insurance company that specializes in insuring those who drive abroad, like the Depaulo Agency, who serves the Scotia, New York area.

Considering the nature of insurance is to protect you from the unforeseen and unpredictable things in life, there is no better time to have an auto policy when driving internationally. You never know what to expect on these types of adventures, which is exactly why you are going on it in the first place. That, and to escape the cold.