The Least Expensive Cars To Insure

new york car insuranceLast week we counted down the top five most expensive cars to insure, but insuring your ride doesn’t have to break the bank. In the interest of fairness, here are the top five least expensive cars to insure. Combine these practical rides with Kenneth Bieber’s New York car insurance and getting on the road will be a breeze!

1. Ford Edge SE: According to, the most affordable car to insure in 2012 is the Ford Edge SE, a workhorse of an SUV that combines space and efficiency with, apparently, affordable insurance premiums at $1,128 a year.

2. Jeep Grand Cherokee Laredo: The Grand Cherokee has been a staple of the Jeep line since its debut in 1992, and when it only costs an average of $1,148 a year to insure, you can see why it has remained so popular.

3. Subaru Outback 2.5i Premium: Laugh if you must, but Subaru owners know their cars are dependable as they are silly looking. No surprise, then, the Outback only costs $1,150 a year to insure.

4. Kia Sportage: This compact crossover SUV has been around since 1993, an efficient, practical and not unattractive option for families or anyone else who could use the space but wants to avoid going full gas-guzzler. Plus, you can cover it for about $1,157 annually.

5. Jeep Patriot Sport: It’s probably the least-expensive SUV in America, so it’s no surprise it doesn’t cost much to insure. You can cover this car for $1,160 a year.

The Most Expensive Cars To Insure

New York car insuranceEveryone needs car insurance –unfortunately, it’s just one of the rules of the road. Luckily, Kenneth Bieber offers comprehensive and affordable New York car insurance, but the cost of any insurance can vary wildly depending on a number of factors–not the least of which is the car itself. While a sensible car can be quite affordably insured, pity the drivers who have to handle the insurance premiums that go with these cars, the absolute most expensive to insure.

  1. Audi R8 Spyder Quattro: According to, the most expensive car to insure in 2012 was the Audi R8 Spyder Quattro, an attractive and sporty roadster that averages about $3,384 annually.
  2. Mercedes-Benz CL600: This upscale luxury car is packing some serious heat under the hood with its v12 engine. That could be why its insurance premiums average $3,307.
  3. Mercedes-Benz S600: Along with the CL600, Mercedes-Benz rounds out the top three with the S600 and a $2,948 a year premium.
  4. Audi R8 4.2 Quattro Coupe: This Coupe version of the Audi R8 has a V8 engine for a motive power output of more than 420 metric horsepower. All that speed comes at a price, though. Namely: $2,903 annually.
  5. Porsche Panamera Turbo: This four-door luxury car with a V8 twin turbo engine is the fifth most expensive car to unsure at an average of $2,738.

Why It Can Be Dangerous To Drive Without Car Insurance

There may be thousands of drivers living without car insurance in New York, which means that thousands of drivers are currently operating their vehicles illegally. Besides the fact that car insurance can benefit you financially, our insurance packages can also help you in a number of different ways. We’ve put together a list of how car insurance is essential for all licensed drivers:

  • Losing Your License: Since it is illegal to drive without some form of car insurance, you may end up losing your license if you are pulled over or involved in an accident. Depending on your record, the government can confiscate your driver’s license for several months or years at a time. Not only can these be inconvenient for your everyday life, but it can also lead to expensive public transportation costs to get to and from work.
  • Lawsuit Against You: Driving without New York car insurance can put you at risk of potential lawsuits. If you are the cause of an accident and you severely injure the other driver or passenger, you could be subject for an expensive lawsuit. Now only will you have to pay for their medical bills, but you will also have to pay for any damage to their car.
  • Replacing Your Vehicle: A bad accident will often leave your car totaled. However, certain car insurance plans will replace your vehicle, taking the financial burden off of your hands.
  • Expensive Medical Bills: Certain insurance packages will also cover any medical costs that incur to you at the time of an accident. Medical bills are often fairly expensive, which will leave you in financial ruins if you don’t have a car insurance plan to cover it.

Why Is Car Insurance in New York So Important?

If you are one of the many drivers without car insurance in New York, you are taking a large risk by staying financially unprotected. If you were to get in one of the hundreds of accidents that occur on a daily basis, you may find yourself in financial debt if left uncovered, and maybe involved in a lawsuit. Not only is automobile insurance a financial asset, but it is also illegal to operate a vehicle without any coverage in New York City.

Driving without automobile insurance can result in large fines and eventually the loss of your license. If left unprotected, any accident will result in an average cost of over $1,000 for the driver at fault. Rather than having an insurance agency pay off the cost of your accident, this money will come straight out of your pocket. With an average of more than six million car accidents per year in the U.S., these costs can add up and become a financial burden.

We want you to stay protected not only in your automobile, but in your home and business as well. By staying uncovered, you are constantly taking a financial gamble on your assets. Can you afford to take a risk like that? Make the safe bet by getting a free quote on your New York car insurance today!

Insurance Terms 101

new york renters insurance

New York City life is crazy enough as it is, without confusion when it comes to New York renters insurance. The insurance lexicon is vast and can prove overwhelming for those unfamiliar with its various terms, clauses and definitions. That’s why we’ve gathered together all the essential information you need to know in order to make informed decisions when considering policies, premiums and everything in between.

If you’re looking for an introduction to the topic of insurance, make sure you pore over our Insurance FAQ, which provides extensive information on everything from condo insurance to auto insurance. On the other hand, if you’re generally au fait with insurance but searching for an explanation of a particular term, our Insurance and Homebuyers Glossaries are the only resources you’ll need.

Here are some of the top insurance terms you may have heard, but may not quite fully understand:

Indemnity: Benefits of a predetermined amount paid for a loss.

Consideration Clause: Stipulation that states the basis on which an insurer issues an insurance contract.

Utmost Good Faith: The Insured and the Insurer are bound by a good faith of honesty and fairness; all material facts must be disclosed.

Mitigation: In the case of any loss or casualty, the asset owner must attempt to keep loss to a minimum, as if the asset was not insured.

Safe Driving During Winter Months

As important as home and condo insurance is for New Yorkers during the winter months, another essential is quality New York car insurance. As wintry conditions worsen, road conditions grow increasingly hazardous too, so it is highly recommended you take certain precautions when driving through whatever obstacles the weather throws your way. When driving through snow and ice, consider the following tips:

When handling slippery winter roads, the keys to safety are slower speeds, gentler stops and turns, and increased distances between cars. It is recommended that drivers reduce their speed to half the permitted speed limit or even less under snowy road conditions.

Drivers should never try to stretch more miles out of their tires during the winter months. If your tread depth is getting low, it can have serious effects on dry pavement, with potential adverse effects being multiplied in wet and snowy conditions. Tire pressure usually lowers itself in winter and raises itself during summer months. Under-inflated tires can cause a car to react more slowly to steering, which can prove catastrophic. When at all in doubt, ensure you purchase a new set of tires.

Even when observing these guidelines, accidents can occur. Ensure you are covered. Review our comprehensive New York car insurance plans at

Buying from Kenneth Bieber: Progressive!

As an insurance brokerage, Kenneth Bieber works with names both big and small–including one very familiar, Progressive Corporation. We operate as the middle man for New York car insurance buyers as an independent agent to get the most bang for your insurance budget. Even with the friendly Flo explaining Progressive’s many smart plans, it can get a little hairy understanding which policy is the best for which driver.

Let us take a look at the newest Progressive product, the Snapshot. Not just another of Flo’s props, the little silver device actually exists, plugs into a car, and tracks the driver’s habits for 30-day periods to give discounts for safer driving. It cannot increase an insurance premium through gathering data, which sounds almost too good to be true–what is the catch?

The catch is not really a catch, but a smart way of doing insurance business. Progressive appeals to customers by showing them information, quotes from other insurance companies, for example, so they make a better choice. They specialize in global auto insurance, eschewing other lines such as condo insurance and co-op insurance. By using Snapshot’s incentive of discounts, Progressive encourages safer driving on one hand and gathers useful data on the other. Result: fewer accidents, fewer payouts for Progressive, and the same protection for every safe driver.

Buying from Kenneth Bieber: Travelers! customer might come to the Kenneth Bieber website and be a little bewildered by the range of our products–we offer co-op insurance, renters insurance, and New York car insurance, just to name a few. Kenneth Bieber will not only be the go-between for our customers and the insurance provider, we offer many useful online tools and convenient information that can help a customer make the best choice of insurance. The reason why we are able to offer these products at a suitable rate and arrangement for our customers is simple: we work with some of the best insurance providers in the country, like The Travelers Companies.

Travelers was founded in 1864 in Hartford Connecticut. Like the name says, the company was initially formed to provide travel insurance. Over its long history, Travelers created many industry firsts, such as the first automobile insurance, the first airline policy, and the first space travel insurance. Today, Travelers is an international company with headquarters right here in New York City, covering personal, business and financial sectors handily under its umbrella logo.

In addition to providing peace of mind through many insurance products, Travelers also maintains a philanthropic arm, the Travelers Foundation, mainly in support of developing public education reform, promoting academic success, and representing underrepresented youths in its hometown of Hartford, Connecticut.

Car Insurance in New York

If you’re going to drive in New York City, get ready to fork over the big bucks. There’s no way around it. Unless you register the car in another state, you’ll be paying higher premiums than almost anywhere else in the country. And from the insurance companies’ stance there is good reason for that. New York’s chaotic streets lead to lots of accidents. But despite the deterrents, for getting around the boroughs, many people will be best served by a car.  Here are a few things you need to know before hitting the road in NYC.

  • Everyone has to carry liability insurance. The amount that must be carried is substantial. Check with your insurance provider about minimum coverage and rates.
  • Pickup trucks and some other work vehicles can’t be registered at cheaper car rates. Because so many people use pickups and vans for work in the city, they are more susceptible to damage than a normal private vehicle.
  • New York car insurance must be provided by an in state company or an out of state company with a license to offer insurance in New York. This goes for the entire state and can’t really be worked around.
So now that you know the basics, its time to get out there in your subcompact and enjoy the gridlock!

How To Compare New York Car Insurance Quotes and Coverage

Selecting New York car insurance can give you a headache. Every company that you research will tell you they offer the best prices, best service, most comprehensive coverage, and most discounts. How do you decipher what companies are worth following up on and which ones to toss aside.

If you’re seriously considering switching auto insurance then you need to gather a few things first. How much are you currently paying for your New York car insurance? Understanding how your current costs are broken down in a policy gives you an edge when figuring out what needs to be covered and gives you a good comparison basis. You can always get a copy of your policy and costs from your insurer.

You must also know what your car is worth and how used it is since the initial purchase. It is important to note the locations you drive it in terms of distance, difficulty, and potential dangers. You need to know that you’re not only getting covered for damages but also liability with medical and legal fees. Collision insurance is good for new vehicles and pricey vehicles. But with old and used vehicles you won’t necessarily need this if you think it will cost you too much to include with an auto policy.

These are some ideas for comparing quotes and coverage for new auto insurance.


Some Simple New York Car Insurance Tips For Consumers

Image courtesy of FrameAngel

Your New York car insurance costs depend on several factors, including those you cannot control such as your age. When it comes to auto insurance, though, there are ways to save and things you must absolutely be sure you cover.

There are different types of coverage in New York car insurance. The main categories are bodily injury liability, property damage liability, medical payment, uninsured motorist protection, collision coverage, and comprehensive vehicle damage. You must be sure that the insurance policy can cover at least a portion of all of these categories. You need to be prepared regardless of you or the other motorist being the one who gets harmed most.

Also, the type of vehicle you own could affect the charges. A pricey SUV may be a cool car to own but your company may charge more to protect you while driving it than a more affordable car. You can find industry information on injury claims by car model and repair costs. This will help you choose a wise car for insurance purposes.

Also, take the time to reduce premiums. If you drive less than 7500 miles a year, if you take public transportation on occasion or for work commute, or if you carpool your premiums can go down. Also, if you raise deductibles you can lower premiums. It may also mean that you won’t file for every small claim if it’s unnecessary.

And obviously, if you have a clean driving record and proof that you drive safely, then your rates will always work in your favor. Just keep these certain things in mind when selecting car insurance.



Tips For Selecting Car Insurance in New York

When you start looking for New York car insurance you want to be sure that you’re not only getting great coverage but that you’re getting a fair quote for the services. Comparison shopping is one of the only ways to guarantee you find a balance between coverage and cost. Doing so can save you hundreds of dollars a year. While you’re looking, keep some of these following tips in mind.

Consider the kind of coverage you need and how much of it. There are liability limits, comprehensive, collision, personal injury protection, and medical coverages. With all the options it’s easy to make mistakes picking a plan. In the case of the State law, at least a minimum value of New York car insurance is required. But this would not necessarily cover any expenses related to the consequences of collision, such as medical and liability charges, and property losses. You need a substantial plan to cover all of the bases.

Be sure you understand your personal auto insurance policy– the different options you included, your rights, and your obligations as the policy owner are relegated to specific sections within the contract. Always review the policy so that you know that you’re covered as necessary.

Also, check your deductible and change it accordingly. This will affect the monthly cost of your policy in that a higher deductible will lower your costs. And always be willing to compare and evaluate the costs as the years progress within the rest of the plan. You’d be amazed how things change with your driving record.


Welcome to the Kenneth Bieber Insurance Blog

Whether you’re an individual, a family, or a company you need protection when things go awry. That is why you depend on insurance. You deserve the absolute best coverage and personal service, regardless of the type you seek. So many people go without insurance every day and that means they’re vulnerable financially. With insurance you know your bases are covered in case emergencies or other unforeseen circumstances occur.

Kenneth Bieber Inc. has been providing world class protection since 1962. A leader in providing quality auto, home, health, business, and life insurance, you are guaranteed to be covered today and in your future with incomparable dedication. By evaluating your specific needs you will be directed to the appropriate companies represented by Kenneth Bieber, Inc. You will never have to worry about New York car insurance or condo insurance again. Nor any other kind you may need.

And this blog is dedicated to providing you with information to help you make informed decisions. By checking here regularly you will get up-to-date news on insurance and related topics. Why go scouring the internet for questionable material when you can find it all in one hub. Here you will only be getting high quality content intended to help you.