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Part  of  being  a  responsible driver  and car owner  is
carrying proper insurance coverage on your automobile, both to protect yourself and others on the road.  There are several factors that need to be considered when choosing the best auto insurance for you--primarily, the type and age of the car, and the experience and history of the driver.    We will carefully consider these factors, and will recommend the company and level of coverage that will give you the highest level of protection at the lowest price.

Some companies give discounts on auto insurance if you insure both you home and you automobile with them, and some companies also give discounts for defensive driving courses and safety features on your automobile, such as daytime running lights, anti-lock brakes, and anti-theft devices.

Request an Auto Insurance Quote.

The following list of terms will be helpful to know when discussing auto insurance:

Collision Coverage is optional, but strongly recommended for cars less than 10 years old.  It provides reimbursement for damages to your car resulting from a collision with another vehicle, an object, or overturning. 

Comprehensive Coverage provides reimbursement for damages resulting from causes other than collision or overturning, such as fire, vandalism, weather, theft, or collision with an animal.

Liability Insurance pays a third party's property damage and bodily injury claims resulting from and accident for which you are legally liable, and also pays for your legal defense.

Medical Payments covers medical services for you and and any passengers in your car if you are in an accident.

Un/Underinsured Motorists pays for injuries caused by a a hit-and-run accident or by a driver with insufficient insurance.

Personal Injury Protection is a no-fault, required coverage in New York State, which pays for medical expenses and lost income for you, your passengers, or pedestrians involved in an accident regardless of who is at fault.

Rental Reimbursement is an optional coverage which reimburses you for the cost of renting a car, up to a certain amount per day, if your car is in an accident.

Towing and Labor is another optional coverage that pays for necessary towing and labor on your car.

Premium is the amount that you pay annually or semi-annually for your insurance policy.

Deductible is the portion of a loss that you pay before the insurance company covers it.