Auto Insurance

Keep in mind that you can’t buy insurance after you have an accident. Carefully considering the position you may be in, if you should ever be in an accident, is important.

Car insurance is required

 In New York State, you are required by law to carry car insurance. It's easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?

There is a difference

There is a difference

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your automobile.

Contact us today, and we'll help you protect what matters most.

What’s insurance for, anyway?

What’s insurance for, anyway?

Keep in mind that you can’t buy insurance after you have an accident. Carefully considering the position you may be in, if you should ever be in an accident, is important.

Keeping you safe is our number one priority. That means making sure your policy can protect you as much as possible.

Contact us today, we’ll show you all of your options, recommend the right limits, and make sure you receive every discount you deserve.

Auto insurance: required protection

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:


Liability Coverage

Insurance coverage that helps to cover the financial responsibility if you or a family member are at fault in an automobile accident that results in bodily injury or property damage.


Collision Coverage

Actual cash value coverage that helps to repair or replace your vehicle if it’s damaged in a collision, regardless of who is at fault.


Comprehensive Coverage

Coverage that helps to repair or replace your vehicle if it’s damaged in an accident (other than a collision) or is stolen. Examples of comprehensive coverage include fire, vandalism and falling objects.

Additional protection may include:


Medical Payments

Coverage that helps to pay for medical expenses for you or your passengers if injured in an automobile accident.


Emergency Roadside Assistance

Insurance coverage for basic tasks such as towing, unlocking your car, etc. that can get you back out on the road if you are stranded.


Uninsured Motorist Protection

Uninsured Motorist Protection - helps you to pay for your injuries or damages to your vehicle caused by a driver that does not have insurance coverage.


Underinsured Motorist Protection

Protection in the event that you are involved in an automobile accident with someone that does not have sufficient insurance of their own.

Why we're different

Why we're different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your automobile.

Contact us today, and we'll help you protect what matters most.

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