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The Lofrumento Agency Blog

Topics of interest inspired by real life events impacting our family and customers in the Clifton Park, NY area and beyond.

Does Car Insurance pay for a Rental Car?

If you’re involved in a car accident, you’re likely going to be without your car for a period while it’s being repaired. Since you’ll probably still need a car, you might have to rent one while yours is being repaired. Luckily, your car insurance may help to pay the...

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Reasons Not To Lapse Your Auto Insurance

It’s common knowledge that New York State requires us to have Auto Insurance for our vehicles. Unfortunately, during the pandemic, many people lost their income and had to make some difficult decisions on which bills to pay. For some, Auto Insurance was one of the...

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Does Car Insurance Cover Rental Cars?

Does Car Insurance Cover Rental Cars? I'm commonly asked if car insurance covers rental cars. It’s important that we clarify the question because it could be interpreted two ways. Will my personal auto insurance cover me while driving a rental car? If I have an...

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What is “Full Coverage”?

When you purchase Auto Insurance, you want to make sure that you have the coverage you need in case you’re involved in an accident. That’s why you have Auto Insurance after all, right? As with most types of insurance, and most products in general, there are a variety...

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Remembering 9/11… 20 Years Later

Our world changed forever at 8:46am on September 11, 2001 - the moment the first airplane struck the World Trade Center. Less than hour and twenty minutes later, at 10:03am, the fourth, and final plane crashed into a rural field in Pennsylvania. Twenty years later, I...

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Defensive Driving Discount

Lower your Auto Insurance payment by taking a Defensive Driving course Everyone wants to pay the lowest amount possible for the auto insurance coverage they need. There are a variety of discounts that you can take advantage of to help you lower your premium. Most...

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Things to know before buying Life Insurance

You know you should buy life insurance but you're not sure where to start, right? There are a lot of options and you might not know how to choose the right one. All you're really looking for is for your family to be financially stable if something happens to you,...

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Telematics is Reinventing Auto Insurance

What is Telematics and how is it reinventing Auto Insurance? Before explaining telematics, I need to provide some background. Historically, auto insurance rates have been generated at the zip code level. This means that a "base rate" is determined for your zip code...

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Should I buy Wedding Insurance?

Planning a wedding is a lot of work. There are countless decisions that need to be made. The floral arrangements, flavor of the cake, music to be played, seating charts, meal options and many more. It’s stressful. One thing you might not think about during the...

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Does My Insurance Cover Roadside Assistance?

You're driving up Route 9 in Clifton Park and you see something in the road. There's a car in the lane next to you and you're unable to swerve. You drive over what appears to be a piece of metal lying in the road and everything seems fine. Five minutes later, as...

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Renters Insurance: Why should I buy it?

Renters Insurance doesn't get the love it deserves. For many, it's an afterthought if your landlord doesn't require you to have it. Renters Insurance is also commonly misunderstood. The best way to think about it is that it's similar to Homeowners Insurance without...

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True Story: Colliding with the Ground

The Albany area is notorious for potholes big enough to swallow a car! Well, maybe I’m exaggerating a bit but, in all seriousness, potholes can really cause some surprising damage to your car and they can just pop up out of nowhere! I kind of equate it to stepping on...

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Here, I’ll post about everything from common insurance topics to community news and even my personal adventures. Insurance topics are inspired by actual events affecting our customers. The community news is based on the greater Albany, Schenectady, Troy, Saratoga area with a focus on Clifton Park, Ballston Lake, Ballston Spa, Malta and Glenville. My personal adventures will probably focus on my children. Enjoy!

John Lofrumento auto insurance Clifton park, ny

John Lofrumento, CFP®, FSCP®, RICP®
President, The Lofrumento Agency
Clifton Park, NY / Ballston Lake, NY

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