Simply put, NO! We work very hard to make the process simple and seamless for you.
You literally only have to make payment and sign for your policy, we take care of the rest, including the cancellation of your current policy or policies.

We love meeting all of our current and prospective customers in-person at our office but often-times it’s more convenient to do things over the phone, especially when you live a distance from us. Whether you live next door or 300 miles away, we can do everything over the phone, in fact, most people choose to do it this way.

Yes. In fact, we place a large percentage of our customers in to bundles that include car, home, umbrella, renters, and motorcycle products to take advantage of the significant bundle discounts available. The price isn’t the only benefit of a bundle. Having multiple policies with the same carrier makes it so much easier for you to manage your payments, retrieve policy documents, and centralizes your point of contact for any customer service inquiries.

Yes. Adding a teenage driver to your existing policy can be a jaw dropping financial experience if placed with the wrong carrier. We have aligned our agency with insurers that offer the most competitive rates and discounts for young drivers while also rating well for mom and pop, especially when utilized in a policy bundle scenario.

Yes. We utilize carriers that will insure drivers who have a lapse in coverage or never been insured. The rates are typically higher than for those having a continuous policy for at least 6 months, but we have the ability to move you into a Standard Rating plan after you have held your policy for 6 months often saving clients a significant amount of money on their premiums.

The number of discounts and percentage savings of discounts differ by carrier. We address discount eligibility with each client to make sure you take advantage of every available offering with each company we quote you with. Typical discounts include safe driving, accident free, multiple vehicle, multiple policy, safe vehicle, passive restraints, daylights, defensive driving, driver training, good student, student away, affinity, anti-theft, paperless, and automatic EFT payment plans.

Yes, NY insurers will run a consumer credit check when determining your premiums. A poor rating can alert an insurer of financial trouble and negatively affect premium rating as well as eligibility. Conversely, a good rating can provide the most competitive rates offered by the insurer. Keep in mind, this is not an application for credit, so while insurers check your credit to determine your responsibility and financial security, they are not extending credit. A consumer credit check for an auto quote is called a “soft pull,” and it does not affect your credit rating.

Adding the Supplemental Spousal Liability (SSL) endorsement on your auto policy provides bodily injury liability protection to cover the liability of an insured spouse due to their injury or death. It protects both the insured and the insured’s spouse in the event the insured is sued by his or her spouse due to the insured’s negligence. Married couples should always make sure that SSL is added to their car protection because if you don’t and you are harmed because of negligent driving by your husband or wife, you will likely not be able to receive compensation. Depending on the extent of your injuries and the liability limit on the policy, you could be giving up hundreds of thousands of dollars or more, money that you could need to live on, money that is rightfully due to you. If you are married, make sure to check your policy to be certain you have this very important coverage.

With NYS personal lines insurance, such as a car policy, it’s perfectly fine to switch your coverage to another carrier at any time with no penalty or surcharge assessed. For people on automatic monthly payment plans with their current carrier, we always caution them to make sure that they cancel their automatic payment if their next payment is due within a week or so. Sometimes, due to delays of the prior carrier cancelling the prior policy, the payment will be taken even though you have a new policy with our agency. But rest assured, even if that did happen, you would receive a full refund back from your prior carrier for that payment. Also, for any days of coverage you have paid for that were not used, a full pro-rated refund for those unused days will be issued.

Generally speaking, although some companies differ slightly, you will need to have a photo inspection done for all vehicles covered if they are 7 years old or newer. Once your new coverage is active, the same rule applies for any vehicle added to your policy up to 7 years old, with the only exception being a brand new car. Photo inspections are waived for new vehicles. Our agency is an approved photo inspection site for our customers so anyone in the area can come to our office for the inspection, which is actually a very quick process. For those folks outside of our area, anywhere in NY, we refer you to the nearest approved photo inspection site. Also, there is no charge to an insured for a photo inspection.

We try to make it easy for you to compare your auto quote options against your current policy. In fact, our preferred approach is to review each coverage with you line by line, comparing to your current policy, also explaining what the coverages are, in a language that’s understandable to a non-insurance professional, giving real world examples. We use an “apples to apples” approach, providing a quote that is as close as we can get to your current coverage so that you can see the true bottom line savings. From there, if there are any exposures we feel put you at risk, we’ll also provide an alternative quote, explaining the exposure and leaving the decision entirely up to you. Of course, there are some folks who simply just want a quote without the additional review and we are happy to provide a quote for them as well, knowing we are here if they have questions.

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 insurance 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 New York car insurance 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 car 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.