Car Insurance Day

February 1st is Car Insurance Day – a day where we celebrate the importance of car insurance!

This day also serves as a reminder for motorists to review and ensure the adequacy of their auto insurance policies. Whether it’s protecting against accidents, theft, or unforeseen circumstances, car insurance plays a crucial role in providing financial security and peace of mind on the road.

Car Insurance Fun Facts:

Car Insurance is Mandatory in Most States
In the U.S., most states require drivers to have auto liability insurance before they can legally drive a car.


Your Credit Score Can Impact Your Premium
Many insurers use credit information to price auto insurance policies. Research shows that those who effectively manage their credit have fewer claims.


Your Vehicle Model Affects Your Insurance Cost
Your vehicle’s make, model, and year can heavily impact your car insurance rates. Cars that are often stolen or expensive to repair might have higher insurance costs.


You Can Get Discounts for Safe Driving
Many car insurance companies offer discounts if you prove to be a safe driver over a certain period. These rewards can significantly lower your premium.  CLICK HERE to sign up for a defensive driving course today! 


Car Insurance Covers More Than Just Collision
Besides collisions, car insurance policies can cover various issues, such as damage from weather events, theft, and personal injury, depending on the type of policy purchased.

Car Insurance Checklist:

Below are some things to consider regarding your Auto Insurance.  Please contact your EFM Agency Account Manager if you have any questions about your current program.

Coverage Types and Limits:

  • Assess whether your current coverage aligns with your needs and financial situation.
  • Confirm the policy limits for each type of coverage.


  • Review and understand the deductibles associated with each coverage type.
  • Evaluate whether you can comfortably afford the chosen deductibles in the event of a claim.


  • Confirm that you are taking advantage of all eligible discounts.
  • Signup online for the NYS Defensive Driving Courses!

Policy Exclusions and Limitations:

  • Familiarize yourself with any exclusions or limitations in your policy.
  • Understand circumstances where your coverage may not apply.

Claims Process:

  • Understand the process for filing a claim with your carrier.  You can also file a claim through our website.

Policy Renewal Terms:

  • Review the terms and conditions for policy renewal.
  • Be aware of any changes in coverage or premium rates.

Vehicle Changes:

  • Update the insurer if there are changes to your vehicle (e.g., modifications, additional safety features).
  • Confirm that your policy reflects accurate information about your car.

Driving Record:

  • Periodically check your driving record for accuracy.
  • Be aware of how any changes to your driving history may impact your premiums.

Emergency Roadside Assistance:

  • Verify whether your policy includes emergency roadside assistance.
  • Understand the extent of the coverage and any associated costs.

Policy Documents:

  • Keep a copy of your insurance policy documents.
  • Review the terms and conditions to stay informed about your coverage.