Baldwin New York Auto Insurance

We represent a wide variety of insurance companies that supply auto insurance products at a honorable price.  Most Insurance companies offer discounts that you may qualify for as well.  When shopping for auto insurance you are usually asked if you want collision and/or comprehensive coverage, how high do you want your deducible to be, what liability limits would you prefer and if you would like any type of optional coverage.  At Gregg Stephens Insurance we can help you understand what these questions mean and what type of coverage is best for you.

Auto Insurance options in Baldwin New York 11510:

Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your vehicle. You can purchase either or both coverages for each vehicle you own.  Note: If you have an auto loan you may be required to purchase both.

• Comprehensive (other than collision) coverage insures you against all other physical damage to your auto caused by such events as fire, theft, flood, and vandalism.
• Collision coverage insures you against damage to your vehicle caused during an accident.

Liability coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

What is a deductible?

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage more than the deductible you selected. The higher the deductible, the lower the premium.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

Personal Injury Protection

Some states require Personal Injury Protection, also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Medical Payments coverage

Medical Payments coverage pays medical expenses (up to a specified dollar amount) for you and any passengers in your car that are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Uninsured/Underinsured Motorist coverage

This coverage pays if you are hurt by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

How much coverage do I need?

Choosing the appropriate level of auto Insurance coverage depends on several factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

Contact one of our professional auto insurance agents in Baldwin New York today!