Selecting a car insurance company in Islip, NY can be time consuming since you have many choices and finding the best New York auto insurance agent is not as easy as just picking up the phone. You require a great agent that can assess your needs, but also need the best price on car insurance.
Online insurance companies like Geico, Progressive and Allstate constantly bombard you with ads and it is difficult to separate fact from fiction and do the work needed to find the best deal.
Your local neighborhood insurance agent
Good agents can help determine the best coverages and give you peace of mind. The best thing about price shopping on the web is that you can obtain better rates but also keep your business local.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is submitted to agents in your area who will compete for your coverage. You won’t need to drive around as quotes are delivered straight to your inbox. It doesn’t get any easier!
Deciding on an insurance agent should depend on more than just a low price. Any agent should be forthright in answering these questions:
- Is assistance available after office hours?
- If your car is in the repair shop, do you have coverage for a rental car?
- Who are their largest clients?
- Do the companies they represent have a solid financial rating?
- What insurance companies do they recommend if they are an independent agent?
- Which members of your family are coverage by the policy?
- What is the agency’s Better Business Bureau rating?
Listed below is a short list of insurance agencies in Islip that may be willing to give rate quotes.
HGM Agency – 1034 Broadway, Islip, NY 11751 – (631) 277-1304
First Choice Insurance – 188 Islip Ave, Islip, NY 11751 – (631) 859-1000
Lighthouse Insurance – 241 Islip Ave, Islip, NY 11751 – (631) 581-0100
Allstate Insurance Co – 227 Islip Ave, Islip, NY 11751 – (631) 859-3000
State Farm Insurance – 660 Montauk Hwy, Islip, NY 11751 – (631) 581-7613
Once you have acceptable answers for all questions you ask and locked in a price quote, it’s possible that you found an insurance agency that can insure your vehicles.
Is my situation unique?
When it comes to buying the best car insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can help discover whether you might need an agent’s assistance.
- Does my policy cover my teen driver if they drive my company car?
- Does my vehicle qualify for pleasure use?
- What can I do if my company won’t pay a claim?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Do I need special endorsements for business use of my vehicle?
- How can I get high-risk coverage after a DUI?
- Is rental equipment covered for theft or damage?
- Is business property covered if stolen from my car?
- Does coverage extend to a rental car in a foreign country?
- Does liability extend to a camper or trailer?
If you can’t answer these questions, you may need to chat with a licensed agent.
Have you considered online alternatives?
Auto insurance agents are important, but New York car insurance can also be bought directly from online companies. Some specific companies that are more known for using agents, also give you the ability to buy online, and consumers should do that.
If you’re concerned about selecting your own policy coverages when shopping online, that shouldn’t be an issue. Online insurance companies have customer service departments that you can contact for information.
Are car insurance rates lower online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are so many components that determine the price you pay. Common sense would say that going direct reduces premiums because there is no agent. But truthfully, online and traditional media advertising are expensive so this can offset any savings.
For price-conscious consumers, the only way of knowing whether online companies or local agents have lower rates is getting rates for as many of both types of providers as possible. Lots of times people will get different prices from the SAME company depending on if you quote online or with their agents. It’s just impossible to know where you can get the lowest rates until you actually compare rates from both.
More quotes mean more savings
While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at a price you can afford.
Drivers who switch companies do it for a number of reasons such as questionable increases in premium, high rates after DUI convictions, policy cancellation or delays in responding to claim requests. Whatever your reason, choosing a new insurance company can be easier than you think.
Informative consumer insurance sites
More detailed New York car insurance information can be read at the New York Department of Financial Services website. New York drivers can find out industry alerts, read state legal mandates and laws, read industry bulletins, and find out which companies have the most complaints.
