Auto Insurance

car insurance latham ny

Auto Insurance

Looking for Auto Insurance?

You’ve come to the right place. Our team of local, licensed agents will review your current coverages, ensure you have enough coverage, all while making sure you have the most competitive rate. Whether it’s your first Auto Insurance policy or you’ve been with the same carrier for years, our team will review your policy in detail to make sure you have the right coverage and get the most savings.

We represent over 20+ nationally ranked carriers, including Progressive, Farmers, Travelers, Nationwide, Liberty Mutual, Safeco, Selective, Erie & Niagara, and more. At the start of each new policy and at every policy renewal, our agents will perform a courtesy review to ensure all of your policy details are up to date, as well as shop your policy through all of our carriers to find any additional savings.

Difference between Liability and Full Coverage
Liability Only-

By carrying only liability coverage, this is the most basic coverage option offered in New York State. This will include Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, Optional Basic Economic Loss, No-Fault Benefits (Death Benefit, Monthly Work Loss, Other Reasonable & Necessary Expenses), Supplementary Uninsured/Underinsured Motorist Coverage, and Medical Payments. Liability only coverage is the lowest requirement by New York State.

Liability with Comprehensive Coverage-

This will include all off the coverages listed above, plus Comprehensive coverage. Comprehensive coverages will provide coverage for all of the glass (windshield, windows), as well as any weather-related incidents. Examples of this could be if a tree were to fall on your car, hail damage, deer hit, fire, or anything else related to mother nature. This level of coverage is typically recommended for older vehicles that are fully paid off. Even if it’s an older vehicle, this level of protection will still cover any kind of glass damage or any kind of damage that may be out of your control.

Full Coverage (Liability, Comprehensive, Collision)-

By adding Collision coverage on top of liability and comprehensive coverage, the vehicle will be protected in the event that you are considered At-Fault for an accident. This level of coverage is required for any cars that are leased or financed, and it is recommended for any vehicles that still have any sort of financial value. We always want to make sure you and your vehicle are protected in the event of an accident.

Tip- Even if it’s the only vehicle involved in an accident- it is still considered an At-Fault accident and would fall under collision coverage!

Rental Reimbursement and Roadside Assistance-

By carrying rental reimbursement and roadside assistance, it will ensure that in the event of an accident, there will be coverage for any out-of-pocket expenses that may result from the incident. If involved in an accident and you are unable to use your car while it is being repaired, rental reimbursement will pay for a rental car during that time (limits may vary). By carrying roadside assistance- have protection in the event that you have a flat tire, need a tow, or need a jump start. These kinds of things happen, so we want to make sure you are protected and ease the claims process as much as possible.

Connect with a local agent to get an Auto Insurance Quote today!