Auto Insurance
What's included
What It Covers
Liability Coverage
Bodily injury and property damage liability can help pay for injuries and damage you cause to others in an accident. It may also help cover legal defense costs if you are sued.
Collision
Helps pay to repair or replace your vehicle after it collides with another vehicle or object, regardless of fault. A deductible typically applies.
Comprehensive
Helps cover damage from events other than a collision, such as theft, vandalism, fire, hail, falling objects or hitting a deer. A deductible typically applies.
Uninsured/Underinsured Motorist
Can help protect you and your passengers if you are injured by a driver who has no insurance or not enough insurance. It may also apply in some hit-and-run accidents.
Personal Injury Protection
Also called no-fault coverage, PIP can help pay medical expenses and lost wages for you and your passengers, no matter who caused the accident. New York is a no-fault state, so PIP applies to drivers here.
Medical Payments
Can help pay medical expenses for you and your passengers after an accident. Whether it is offered, and how it works alongside PIP, depends on your state, policy and carrier.
Who Needs It
- Drivers who own, lease or finance a vehicle
- Families adding a teen or newly licensed driver
- Commuters and anyone who drives regularly for work, school or errands
- Households with more than one vehicle or driver
Optional Coverages
- Rental ReimbursementCan help pay for a rental car while your vehicle is being repaired after a covered claim.
- Roadside AssistanceMay help with towing, jump-starts, flat tires, fuel delivery and lockouts.
- Gap CoverageIf your car is totaled or stolen, it can help cover the difference between its actual cash value and what you still owe on your loan or lease.
- New Car ReplacementMay help replace a newer vehicle with a new one of the same make and model if it is totaled, depending on your policy and carrier.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Is auto insurance required in New York?
Yes. New York requires drivers to carry auto liability, no-fault (PIP) and uninsured motorist coverage. The required minimums may not be enough after a serious accident, so many drivers choose higher limits.
How much auto coverage do I need?
It depends on your vehicle, your assets, how much you drive and your budget. Higher liability limits can help protect your savings and future income if you are found responsible for an accident. Our agents can review your situation and compare options with you.
Do I need collision and comprehensive coverage?
They are usually optional, but if you lease or finance your vehicle, your lender typically requires them. For an older car, it can make sense to weigh the cost of the coverage against the vehicle's value.
What should I do after an accident?
Make sure everyone is safe, call for help if needed and exchange information with the other drivers. Take photos, file a police report when appropriate and report the claim to your carrier as soon as possible. In New York, no-fault claims have filing deadlines, so it is best not to wait.
Ready to Get Started?
Get a personalized Auto Insurance quote or speak with one of our experienced agents.