DeSimone Agency Insurance

One of the biggest insurance mistakes I see has nothing to do with price.

It’s people choosing the lowest liability limits because that’s what the online quote defaulted to.

Example:

Someone causes a serious accident and has $25,000 in liability coverage.
But the injuries and damages total $300,000.

Insurance pays the first $25k.
The rest can come directly from your savings, paycheck, or assets.

Most people assume their policy “covers everything.” It doesn’t.

Higher liability limits usually cost a few dollars more per month, but they protect everything you’ve worked for.

Before worrying about saving $10 on your premium, it’s worth asking one question:

Would my current coverage actually protect me in a worst-case scenario?

Insurance should protect your life — not just your wallet.

Just a friendly reminder that we get to Spring ahead this weekend!

New York updated a new point system effective on February 16th, 2026

-Failure to yield to a pedestrian is now 8 points!! and driver responsibility assessment is $300.00 and up!

-Please be familiar with all updated assessments