NY Insurance HubNY Insurance HubNY Insurance Hub
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NY Insurance HubNY Insurance HubNY Insurance Hub

NY Insurance Hub Welcome to the
NY Insurance Hub.
New York’s premier Savings Source for auto, home and business insurance. Easy. Simple. Smart.
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Auto Insurance

If you’re looking for auto insurance, we will help you to find the coverage that's budget friendly.

Home Insurance

If you’re looking for home insurance, we will help you to find the coverage that's budget friendly.

Business Insurance

If you’re looking for business insurance, we will help you to find the coverage that's budget friendly.

Save Your Money on NY Insurance Hub Auto Insurance!

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Save Your Money on NY Insurance Hub Home Insurance!

*New Lower Rates in NY

Save Your Money on NY Insurance Hub Business Insurance!

*New Lower Rates in NY

Welcome to NY Insurance Hub - NY Insurance Quote Specialists - Expect More!

The James O’Brien Agency is now the NY Insurance Hub.  We are excited to offer an expanded lineup of the best insurance companies in New York to find the best deal for you.

Our motto is “Expect More” as we strive to offer more services, options, and personal guidance throughout the entire process and act as a ‘hub’ for service, information, price and coverage. To provide customers with the best coverage at competitive rates, as well as being a source of education for the community. We aim to be the best NY insurance agency for our community and State.. Read More

Unfortunately, our industry has become almost famous for being somewhat cold, non-personal, and distant with their customers.  We feel this is still about the relationships built with our customers and view our clients as people that we care about.  Our goal is always to build trust that we are working in your best interest. You matter to us.

We are constantly amazed at the number of people we work with that say they have never had an agent take time with them, ask questions, listen, and explain coverages.  Yes, we do things a bit differently here and feel it a duty to understand the needs of those we work with. It is only when we have a clear understanding of your specific scenario that we can serve you properly.  There are some that just want a price, and that’s fine, but you’ll know we are here for guidance as well, should you need it.  Of course, the goal is always to provide you with proper protection at the lowest price.

We are an Independent Agency, which means we have made available our best NY insurance companies for your online quick quotes.

We service clients in the Albany, Schenectady, Troy, Latham, Clifton Park, Saratoga Springs, Cohoes, Watervliet, surrounding Capital Region and all of New York from NYC to Buffalo. Each one of our clients is given a dedicated expert to work together to proficiently address all your concerns. Whether you are simply looking for the best car insurance quote in New York or want a thorough consultation for your auto, home and/or commercial policy needs, we are here to help.

We utilize our years of experience combined with the top insurers in New York to find the protection you need with the most competitive premiums we can find, most times resulting in significant savings for our customers.

Why Use Our Independent NY Insurance Agency For Your Insurance In New York?

When people use the big national “captive” companies for their policies, most don’t realize these insurers have only one option to offer for any type of product such as auto, home, and business policies. So for instance, your auto proposal with them is the only option they have for you. Say you take the policy without comparing with other companies and term after term the premium increases rather sharply even though you’ve had no tickets or accidents.  Guess what? They can’t help you out.  It’s like shopping for a car at a dealer that has only one type of car.  If it’s a good price and runs well for many years that’s great.  But, if it’s an expensive car compared to other similar cars and tends to have mechanical failures, you are stuck. 

Many people get stuck with these big national insurers and it’s understandable.  They run constant TV commercials, internet ads, print ads, billboards, etc. Folks, without any comparison, simply assume they must be the best and offer the best products at the best price with the best customer and claims service.  They have built their brand and people trust them.  Yet, have you noticed their advertising has little or nothing to do about coverage, products, service, or what you can expect from them.  Many of the commercials are clever but won’t help you if you are paying too much, have bad service, or want a different option.Read More

Our slogan is “Expect More” much for this reason.  We are an independent NY insurance agency that offers options from highly targeted and A-Rated insurers. What’s more is that we care about educating our clients making sure they understand what their coverages are and if we feel they are adequate for their protection. We listen so we know what’s most important to you. Our experience helps guide us to the top product/products for you. You have options with us and will never have to feel “stuck” if a specific company begins to raise rates. 

Great customer service and building relationships is just as important to us as finding you options with big savings. We have modeled our process in to one that integrates the top insurers, experience, communication, education, service, and caring. That is what we’ve put together for you and hope that you give us an opportunity to show what we can do for you.

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          We have multiple insurance providers

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          Partners in world wide

          Some of our many Client Reviews

          Frequently Asked Questions Of Our NY Insurance Agency (FAQ) :

          There is no one best company. It all depends on your specific qualifying factors. Factors such as consumer credit rating, claims history, age, location, type of policy, and many more come into play when searching for your top options. Our experience and lineup of companies allow us to dig in to find the optimal company for you.
          You never have to come to the office. In fact, most of our interactions are done over the phone, although we love meeting people in-person if convenient for you.
          We cannot guarantee the absolute best proposal, but we do guarantee to put our best effort forth and manually rate with our targeted companies for your specific qualifying factors. We have an excellent track record and often save clients up to 50% on their policies.
          At present, we only work with New York State residents but are looking to expand into other States.
          Yes. In fact, we place a large percentage of our customers in to bundles that include auto, home, umbrella, renters, and motorcycle products to take advantage of the significant bundle discounts available.

          Yes, we can help you get coverage with some of our companies and also have the ability to move you to an A-rated standard company once your policy has been in-force for 6 months.

          We pride ourselves on quick turnaround times. For most personal lines products, it’s same day service and we can even issue that policy same day. For commercial risks, depending on the scenario we can provide results same day or it may take up to a few days.
          No. We make the process as easy as possible for you. In most cases, it’s really as simple as taking payment and emailing the application for you to e-sign, and that’s it. We even prepare and send the cancellations to your current insurer for you.
          All of the companies with do business with offer multiple payment options including 1-Pay, 2-Pay, semi-monthly, quarterly, and monthly options. Our two most popular options are the Paid-in-Full option (some of our carriers offer a discount for paid-in-full) and the Monthly Automatic Payment option.

          The monthly automatic option is an electronic transfer of your payment directly from your checking account and eliminates any monthly bill installments fees which adds up to a good savings amount over the term of the policy.
          Good question, NY auto insurance rates have been rising steadily over the past few years due to a number of factors. The increased rate and severity of accidents, more and costlier personal liability claims, fraud, increased medical costs, rising costs to repair, and natural disasters.

          Unfortunately, these costs are spread among all policyholders, even the ones that don’t put in claims or get tickets and dutifully pay their premiums every time and on time. It doesn’t seem fair and we agree with our claim-free customers who voice their displeasure, sometimes loudly!

          Yes, prices of everything seems to increase and as the cost of living goes up, one would expect a small increase in renewal premiums due to inflation, but not big price swings.

          Being an independent agency with access to multiple carriers, this is an area where we can help. In the event one of our insurers begins to raise premiums on a scale that’s above the norm from others in the market, we can re-shop for our clients to affirm whether or not they still have the best overall deal for them.

          If we find a better option with another company, we can simply switch you to that company.
          We’d like to think there are a number of solid reasons for you to do business with our agency. The biggest reasons relate to our lineup of companies, manual quoting process, experience, customer service, along with our desire for you to have a great experience doing business with us, not only for the savings, but also in your protection and relationship with us that we hope to grow for many years.

          We have hand-picked our A-Rated companies and are directly appointed to the ones we feel are the best for the people of New York for both price and coverage options. We do not use automated rating tools that sometimes result in a higher premium or miss important endorsements, instead we manually quote for your best option. It takes a bit longer, but won’t cost you more, in fact, we feel it gives you an additional benefit.

          Our experience is also a benefit to our clients and those seeking a NY insurance quote. With the multitude of major rating factors combined with discount eligibility, our experience has taught us how to compare and contrast these elements from amongst our targeted companies to give you the absolute best deal we can find.

          Last but not least, we’re an agency that cares, cares about you as a person, cares that you are properly protected, and cares that your experience with us is a good one.
          Yes. We utilize several carriers that do not consider or run a consumer credit report. In many instances, premiums are much lower than that of the standard companies that utilize consumer credit ratings in their pricing.
          Absolutely not. In fact, we do not charge our customers at all for our services, and certainly not for a quote. Our compensation comes from the companies that we write for, and we’re paid the same as every other agency whether we spend 1 minute or 2 hours working with a client.

          We offer all types of Personal Insurance coverages to our clients in New York including  AutoHomeownersRentersManufactured / Mobile Home, and Motorcycle.

          Give our agency a call to save money on your Business Policies. Some of our Commercial offerings include Business Owners Policy (BOP)Commercial AutoCommercial PropertyApartment Building Owners, Contractors, and much more.