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Auto Insurance

Latham, Albany & New York Car Insurance

SAVE up to 50% on NY Auto Insurance

NY car insurance prices have risen significantly over the past several years due to the increased rate and severity of auto 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 auto driving records because it’s YOU who share in these increased costs for car insurance in New York. 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 insurance 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 insurance carriers.  New programs are being introduced all the time for people with your specific insurance scenario. We utilize our experience serving Albany, Schenectady, Troy, Latham, Cohoes, Watervliet, Clifton Park, Saratoga Springs, surrounding areas and New York State to provide the best insurance options possible.  We want to find you the cheapest car insurance in NY that also protects you adequately.

Looking to bundle your home insurance to maximize discounts? We utilize companies that give big multi-policy discounts for auto/home bundles. Whether you want an auto-only estimate or an auto/home bundle quote, we have you covered to maximize discounts and savings. Simply request your auto 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 auto and home insurance, have the companies, and we know where to find the deals.  Get your quote today!

Don't Let Tiers Cause You Tears

If you’ve been with the same insurance company for some time it can really pay to get a quote now. All NY auto insurance customers are rated 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 insurance company rates cycle up and down over time and within those cycles 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.

Our slogan is simply to EXPECT MORE! Expect more competitive pricing, expect more service, expect more communicaiton, expect more caring.

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 hundreds of Capital Region residents who have learned to Expect More and to Get More from the NY Insurance Hub. Get your quote today!

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.

Auto Insurance Coverage options in Latham, Albany & New York:

Collision and comprehensive (other than collision) coverages

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) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage

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 coverage

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Personal Injury Protection

Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage 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 an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you 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.

How much do I need?

Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), 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 auto insurance agents in Latham New York, including the Albany, Clifton Park, Saratoga Springs, Schenectady, and Troy areas, can assist you in finding the right car insurance you need.