Imagine getting into an accident in the heart of New York City’s rush hour, only to find out your insurance doesn’t cover the damages. For TLC drivers, it’s a real risk if they don’t have the right coverage. Many drivers make the same mistakes, like chasing the lowest premiums or assuming all TLC policies are the same.

Learn how to avoid common risks and choose a policy that keeps you on the road, protected and prepared, no matter what New York throws your way.

Mistakes to Avoid When Choosing TLC Insurance

Common mistakes in business auto insurance selection can lead to financial losses or operational interruptions. Here’s what to avoid:

• Focusing solely on premiums. Low premiums might look appealing but often come with low coverage limits or slow claims processing. 
• Overlooking extra costs. Be aware of add-on fees that insurers might apply to optional coverage. Ask for a full breakdown, especially if you plan to add collision or comprehensive protection.
• Assuming all TLC policies are the same. Not all TLC-approved policies are equal. Some may barely meet minimum requirements, while others offer far more robust protection. 

Look beyond the basics to make sure you’re fully covered and can keep your business running smoothly.

Steps to Choosing Your Best TLC Insurance

To find the best TLC insurance, you need a clear plan. Here’s a step-by-step approach:

• Step 1: Verify the insurer’s TLC approval. Only choose providers that are licensed by the TLC. This ensures your policy meets all city requirements and protects you from fines or suspensions.
• Step 2: Check the insurer’s reputation. Look for a company with a good reputation in NYC. Ask other drivers, read reviews, and look for companies that specialize in TLC policies. A strong reputation for quick claims and reliable service is a good sign you’re in safe hands.
• Step 3: Compare coverage limits. Don’t settle for the minimum limits. Compare liability limits and other coverages to find the best protection for your specific needs.
• Step 4: Ask about discounts. Many insurers offer discounts for safe driving, loyalty, or even bundling multiple vehicles. Be sure to ask about any discounts available, as these can make a difference in your final costs.

Choosing just any TLC policy to meet the minimum requirements can backfire. With a basic policy, you risk being underinsured, which can lead to out-of-pocket costs if you face a serious claim. A&Y Royal Insurance doesn’t just meet city standards — our company protects you from costly setbacks, downtime, and legal risks.