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Auto Insurance Quote

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Your NY Auto Insurance Quote Source

SAVE up to 50% on NY Auto Insurance

We understand more than most, that people just don’t want to pay a lot for their car policies. In fact, most shoppers requesting a quote really want the cheapest auto insurance in New York. A policy is not a tangible item that has beauty or holds intrinsic value. Unfortunately, it’s often viewed as a commodity where a car policy at Insurer A is the same as Insurer B, C, or D. You keep paying the premiums year after year without getting anything back and what’s worse, the price keeps going up even though you’ve had no accidents. Yes, we totally get the angst that people feel, but often have to remind them that their coverage does hold tremendous value, and when covered properly can save their financial lives if they are deemed at fault in an accident, causing significant injuries. 

Our goal is always twofold, to provide the protection you need and at the lowest price we can find. Auto insurance in NY is not a commodity, there are differences, not only in coverage, but also in the education and service you receive. There can be a wide disparity amongst insurers in the way claims are handled as well as settlement amounts. If you’ve ever had consistently bad experiences with customer service or a claim that was handled poorly, you know what we mean. There is a difference, and that’s why, based on our experience, have hand picked the top national and regional carriers to do business with. Chosen based on coverage offered, competitive pricing, and claims handling history. 


Cheap NY Auto Insurance with Value

We almost hate using the word “Cheap” when it comes to the policies we sell and service. It can imply something of low value or lacking in some way. Our view of the word is really something quite different. “Cheap” to us means that we are most often able to offer insurance that’s low in price, a product that’s worth more than its cost. And by “low in price” we mean that if you got the same policy with the same coverage at another company or agency, it would be more expensive. By “Value” we mean that our agents are going to spend some time with you to properly assess your specific scenario and suggest the coverage needed for proper protection. A relationship is formed, one where you feel good about calling us with questions, policy assistance, or help with a claim. One where we grow with you as your life changes. We will know your name. 

How Do You Find The Cheapest NY Auto Insurance?

Good question! There are actually a number of factors that allow us to zero-in on the most competitive rates for our clients. 

The Companies:

Our agency is directly appointed to a large number of targeted insurers that in our opinion are the best for any particular niche of car, home, or business insurance. By the best, we mean the coverage offered, policy and claims service, and of course, pricing. For example, where one might be excellent for people with excellent credit and bundles, another might be better for someone with less than perfect credit or someone who’s had some recent claims, or any variation of several different factors. After our agent’s initial fact gathering session with someone requesting a quote, we know which companies to approach that will provide the cheapest auto insurance quote we can find in NY. 

Manual Quoting:

Being an independent agency gives us the ability to offer the best options from our hand-picked and highly targeted A-Rated insurers, which gives you a distinct advantage for cost and coverage. Our pre-quote process, and advanced quoting systems allow us to “Manually Quote” the top carriers for your specific qualifying factors which ensures all discounts are applied and all required endorsements are added, something that is often missed with the use of automated multi-company rating tools used by many NY insurance companies. These automated rating tools are used by agents as a time saving measure but are not perfect and can cause a necessary coverage to be missed or a higher premium than should be paid. We have chosen to avoid rating systems for these reasons. Yes, it takes longer to do things manually but gives greater assurance to our customers. You are worth it!


The old adage “You Can’t Teach Experience” is so true in the world of insurance. There are several major rating factors to consider in the pricing of a NY auto insurance quote. Driving record, credit rating, age, vehicle use, vehicle mileage, location, gender, car(s) being insured, liability limits, deductibles, and optional coverages. Rating factors combined with eligible discounts such as safe driving, defensive driving course, alarm systems, early shopper, multi car, multi policy, affinity, daytime lights, good student, student-away, accident-free, paid in full, electronic billing, and e-documents ultimately confirm the price option you’ll receive from any insurer. It’s one of the reasons why rater tools are not always effective as all insurers weigh rating factors and offer discount options differently, sometimes making the resulting best option, not really the best for you. Our experience has taught us how to contrast and compare utilizing rating factors and discounts that give our clients the bottom-line best option from our stable of companies. 

It’s Time To Get Your Personalized NY Auto Insurance Quote

Let the us do the heavy lifting for you, utilizing our extensive network of the top national and regional insurance companies in New York. We know the current best offered programs 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 NY auto insurance that also protects you adequately.


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

Frequently Asked NY Auto Insurance Questions (FAQ)