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.