Automobile & Motorcycle Insurance
Our personal lines automobile specialists work with you to determine which type of coverage best suits your needs and we do the shopping for you! Our state of the art rate comparison program allows us to compare rates from multiple different companies to find you the best rate to fit your individual needs.
Contrary to popular belief, you do not need to be a talking lizard to offer competitive car insurance rates. In fact, because we have the freedom to shop your policy with many different carriers, more often than not, we provide lower rates than those big direct insurers.
We offer a broad range of insurance options – multi-policy, multi-automobile, good driver and student discounts are just a few of the discounts available. Our friendly insurance specialists will help you find the automobile insurance that best suits your needs and your wallet, quickly. We offer low rates and excellent service, even for hard to insure drivers. If you have had a ticket, an accident, or a DUI, we can help!
We believe it is to everyone’s benefit that all drivers have access to affordable insurance, regardless of their social, economic, or legal status. The advice of our automobile insurance specialists will help you to find the best insurance for you and your family. Our agents are focused on providing you with personal service. You can receive a quote, compare, buy and print in just minutes. Call us today and let us maximize your savings.
Coverage: What Affects My Insurance Rates?
When considering an insurance policy, calculate how much coverage you actually need. Decide on the limits you want to set for each category, the total deductible, and if you are comfortable paying this deductible amount. For example, does it make any sense to carry collision insurance worth $30,000 on a $12,000 car? Absolutely not!
Consider factors that affect your automobile insurance bill
A number of insurance requirements apply if you are getting a new automobile financed, so you have little room to wiggle there. But, if you are driving an old car that’s done some long hauling and isn’t worth a fortune, you could consider saving on your premium.
Before you decide to drop coverage, make sure you can pay what it was worth. Think about what it could cost you if your car got stolen, or wrecked, or if you or someone else got hurt.
Calculate the cost of insuring a new luxury car before you buy it. If your new automobile is worth that hefty premium, go for it. If you are not comfortable footing that bill on an annual basis, look for something else.
You can’t help where you live, but you will pay a raised premium in cities and towns where crime and accident rates are high, as opposed to small towns or the countryside. Now if that’s an incentive to move, maybe you should!
If you haven’t found someone special to settle down with, it might show on your insurance receipt. Single males under 25 are the worst off in this regard, as they are considered riskier drivers. If you do fall in this category, you could reconsider in favor of a more sensible automobile. Maybe delay buying that cherry red Mustang until you are 26, and possibly married!
Automobile Insurance Quotes
In order to get a quote you must identify the drivers you would like to insure on the policy. This information needs to be accurate otherwise the quote will not reflect a true rate.
It is often assumed that all drivers live at the primary residence and all vehicles are parked at this address. If either one of these is not true the rate will be affected. Often companies state that the insured drivers must have verifiable driving records. This means that if no record can be found the rate could likely increase.
Tips & Resources:
- NY Department of Motor Vehicles: http://www.dmv.ny.gov/
- Premium Discounts Available – NY Online Driver Safety Courses! http://www.newyorksafetycouncil.com
Looking for Low-Cost Motorcycle Insurance? We can help you find Great Rates on Motorcycle Insurance and Scooter Insurance Coverage. Riding your motorcycle for pleasure or to save money on gas? Get a great quote on coverage for your bike by calling us! We offer competitive rates on insurance for motorcycles and scooters no matter what sort of bike you ride. Discounts are available for experienced motorcycle riders. Ask us about discounts for insuring multiple motorcycles or scooters, completing an approved motorcycle training and safety course, or for being a mature rider. Protect yourself and your investment with our wide range of insurance options for your motorcycle or scooter at great rates.
How do I get Automobile or Motorcycle Insurance?
Becoming insured by James S. Sullivan Agency, Inc. is easy! We sell automobile and motorcycle insurance at our local offices, online or over the phone. Please contact us!