First Heritage Insurance Agency provides auto insurance coverage for drivers in the Huntington, NY area. We strive to provide the auto insurance you need with an affordable premium and exceptional customer service.
Drivers can create a policy that includes various types of coverage depending on their needs. Common auto insurance policies include:
You can also add insurance options—such as rental car reimbursement, roadside assistance, and GAP insurance. GAP coverage pays off the balance of your car loan if your financed car is declared a total loss after an accident.
Without the minimum coverage, you will be unable to register your vehicle to legally drive in New York. However, you may want to purchase coverage exceeding the state minimums. If you have financed your vehicle, for example, the auto loan company may require you to carry a certain amount of comprehensive or collision coverage.
New York drivers must carry minimum liability insurance as follows:
When choosing the right auto insurance policy for your needs, compare the monthly premium amount to the deductible, which is the amount you pay to access coverage in a claim situation. For a lower monthly payment, choose a policy with a higher deductible. You should also consider the value of the car and the cost to replace it in the event of a total loss. If you have special aftermarket accessories, such as a premium stereo or LED kit, you may want to ensure that those items are covered by your policy.
Our team at First Heritage Insurance Agency is ready to help you find the best car insurance policy for your needs. When you contact our office, you’ll be connected to a licensed agent with the knowledge and experience necessary to build your ideal coverage. Once we understand the type of policy you need, we will compare coverage across at least five companies to find you the best possible premiums. You can also bundle your homeowner’s insurance or life insurance policies for additional savings. Call 631-659-2889 to get your free auto insurance quote today.