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Car Insurance









New York Car Insurance


Auto Insurance Quote Request

SAVE up to 50% on NY Car Insurance

NY car insurance prices have risen significantly over the past several years due to the increased rate and severity of accidents, more and costlier personal liability claims, fraud, increased medical costs, rising costs to repair, and natural disasters.

This presents a problem for people with good driving records because it’s YOU who share in these increased costs in New York State. Even though you are not contributing to the costs and dutifully paying your premiums on time, all the time.

Is this fair? Absolutley not, but it’s how the world of premium rating works.

Is there something you can do about it? There sure is!

Let the us search and quote for you with our extensive network of the top insurance companies in NY, both regional and national carriers.  New programs are being introduced all the time for people with your specific scenario and requirements. We utilize our experience serving Albany, Schenectady, Troy, Latham, Cohoes, Watervliet, Clifton Park, Saratoga Springs, surrounding Capital Region areas and all of New York State to provide the best policy options possible.  We want to find you cheap car insurance in NY that also protects you adequately.

Looking to bundle your homeowners policy to maximize discounts? We utilize companies that give big multi-policy discounts for auto/home bundles. Whether you want a vehicle-only estimate or an auto/home bundle quote, we will make sure to maximize discounts and savings. Simply request your car quote and we’ll take care of the rest.

This is no gimmick. It is not uncommon for us to save clients up to 50% on their premiums. We know car and home insurance, have the companies, and we know where to find the deals.  Get your quote today!


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Don’t Let Tiers Cause You Tears with Your NY Car Insurance

If you’ve been with the same company for some time it can really pay to get a quote now. All New York auto insurance companies on Tiers. Of course, bad tiers generate high premiums, mid tiers give middle premiums and so on. The thing is, you can get stuck on that bad or middle tier for the duration of your policy even if factors such as your credit, accidents, tickets, age, etc, have improved, meaning you are paying more than you should be.

Getting a new quote with improved rating factors will push you up to a higher tier and lower resulting premiums.

Another thing most people don’t realize is that premium rates cycle up and down over time and within those cycles, companies introduce new programs that rate fantastic, especially for people with good credit and good driving history. The key is to utilize an agency that has these companies and also manually quotes with the right ones while maximizing available discounts, and that is what we do.

Simply fill out the request form and let us start shopping for you. It doesn’t take long and we would love to have you join the multitude of Capital Region residents who have learned to Expect More and to Get More from the NY Insurance Hub. Your source for New York auto insurance quotes!


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What Exactly is an Insurance Bundle?

Bundling your insurance typically means having your car and home policies written together with the same insurer, but you can add many more types of policies such as an umbrella, motorcycle, boat, RV, snowmobile, ATV, and more. There are two major benefits to a bundled package:

Savings: Most insurers provide significant discounts for customers who bundle, particularly to the car and home products, like hundreds to over a thousand per year savings depending on the scenario.

Streamlining: Working with only one company for most or all of your policies makes it so much easier to manage, especially for things like billing, customer service, and claims handling.

So is there a downside to a bundle? There can be a downside to the amount of savings or even result in you paying more than you should by selecting a company solely for the bundle discount. Most of the insurers that provide large percentage discounts for bundles rate well for people with good to great credit along with a good claims history, both need to be present. If your credit is less than perfect and/or your 3 to 5 year claim history is a bit spotty, odds are the pricing will be quite high for both auto and home quotes. The key is to have your specific eligibility scenario quoted amongst both bundled insurers and more monoline specific carriers that rely less on credit ratings and claims history. This gives the ability to compare and contrast options to truly reveal what your best bottom line deal actually is.

NY Car Insurance Quote Dilemma: Proper Protection versus Cost

We run a lot of NY car insurance quotes and try to give an “apples to apples” comparison as close as we can to current coverage to show whether we provide a savings benefit or not. In cases where we feel the insured has a gap in protection or is unduly exposed to financial risk, we provide an additional quote with protection limits at levels we feel would more adequately protect the individual against significant potential financial loss. Fortunately, in more cases than not, we are able to provide these higher limits and still save the insured a significant amount of money. To be honest, once we explain their gap in protection along with the individual’s current exposure to significant financial pain, most happily agree to go with the higher limits. In fact, people are often surprised at just how little it costs to raise their limits to much higher levels.

Yet there are still some who resist, viewing insurance as something they are required to have, not as something that can save their financial lives after a bad accident. Don’t get us wrong, we love finding cheap NY car insurance for our customers, but view the word “cheap” differently than most. We don’t view it as low value or lacking in some way. To us “cheap” means that we have provided a policy with protection value at a low price as compared to the overall market and worth more than it’s cost. To not even consider adequate coverage that’s affordable simply because it costs a few dollars more can end up costing you a whole lot more. It’s our duty as agents to educate and make people aware of their options and suggest limits, but of course, we abide by the wishes of our clients.

Let’s give an example of the importance of carrying proper limits, using the very important coverage Bodily Injury Liability to illustrate. The Bodily Injury Liability endorsement protects you if you’re in accident and deemed at fault and someone is injured and sues you for their injuries, you’re covered by your insurance company up to the bodily injury limit you hold carry your policy. In NYS the State minimum amount you are required to carry is $25,000 per person/ $50,000 per accident (25/50) but you can get coverage for up to a million dollars depending on the company and layer even more protection on the top of that with an umbrella policy.

Say for instance you’re driving down the highway, pick up your coffee to take a sip and the top pops off spilling hot coffee on your lap. You instinctively react to this, put your head down, and in that instant traffic slows in front of you, you hit the car in front of you, and unfortunately, that driver suffers a brain or spinal injury as a result.

You are now being sued for a million dollars and have $25,000 coverage. What do you do? In this instance, say you have 50/100, 100/300, or 250/500 limits, what do you do? If you have equity in your home, personal property, investments, cash/checking accounts, this puts you in a precarious financial position. Not to mention that your wages can be garnished as well. A large judgment can be issued against you hindering your ability to buy or sell a home, get a loan, or even get some jobs.

Bottom line is that carrying low bodily injury liability limits can lead to financial devastation for the insured if they are deemed at fault in an accident where one or more people suffer a serious injury.

We know, we know, you’re probably thinking why so doom and gloom? We actually want you to avoid a doom and gloom scenario. So let us tell you something positive.

Raising your bodily injury liability limits is very inexpensive. You see, most of the rate is built into the State Minimum requirement, so raising your limits won’t hit your pocketbook very hard. What’s more is that carrying higher limits will also get you a better overall auto insurance rate if you ever shop for a new carrier in the future.

Coverage options for Auto Insurance Quotes in New York:

Collision and comprehensive (other than collision) 

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.

  • Collision coverage insures you against damage to your vehicle caused during an accident.
  • Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) protection usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the insurer pays for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Glass Repair and Replacement

Many people don’t realize that glass repair and replacement actually falls under their comprehensive coverage. It pays for the cost to repair or replace your windshield or any other glass on your car in excess of the deductible that applies. Most people want to have Full Glass protection for which there is no deductible or out of pocket costs to the insured. That is why it’s important to make sure you have full glass on your policy, it’s inexpensive and you can avoid paying several hundred dollars out of pocket when your windshield gets hit and cracked by a rock spit out by the work truck in front of you. In fact, windshield replacement costs have risen for newer cars that utilize safety sensors on or near the windshield as these sensors are required to be recalibrated and in some cases replaced.

Bodily Injury Liability

Bodily Injury Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

Medical Payments

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an accident, no matter who is at fault. This is in addition to your NYS Personal Injury Protection limit.

Personal Injury Protection(PIP)

Some states require Personal Injury Protection, which is also known as No-Fault coverage. It pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in a car accident and are unable to work.

Uninsured/Underinsured Motorist Protection

This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability limit to cover your injuries. It also provides protection if you are in an accident with a hit-and-run driver.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.


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Frequently Asked Questions (FAQ)

Isn’t Changing Insurance a Major Task?

  • 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.

How much coverage do I need?

Choosing the appropriate level of auto protection depends on a number of factors, including assets you must protect (liability protection), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

Our professional agents serving Albany NY, including Schenectady, Troy, Latham, Cohoes, Watervliet, Clifton Park, Saratoga Springs, surrounding Capital Region areas and all of New York State, can assist you in finding the right policy for you.

Do you offer policy bundles?

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.

My teenager is getting licensed, can you help me?

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.

I have a lapse in insurance, can you help me?

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.

What type of discounts do you offer?

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.

Do Auto Insurance Companies in NY Check Your Credit?

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.

What is Supplemental Spousal Liability?

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.

My car insurance doesn’t expire for 2 months, can I switch now?

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.

Do I have to get a photo inspection done for my vehicle with a new policy?

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.

How do I compare NY car insurance quotes?

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.

Why should I do business with your agency?

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.