Looking for an auto insurance quote in Schenectady, NY?
We've got you covered. Our agents can help you get great auto insurance coverage on a policy with a low rate.
In Schenectady and throughout New York, car insurance is often thought of as a legal necessity or basic protection. However, it's much more. With the high volume of vehicles and daily distractions, the likelihood of car accidents is significant. You're at risk literally every single day you get in your car.
It's crucial to know what your auto insurance covers. Beyond vehicle damage, it's about safeguarding you against the financial consequences of being found negligent in an accident. Adequate car insurance is not just a legal requirement; it's a vital aspect of your financial security.
What a lot of people don't realize is, having great coverage doesn't necessarily mean having higher insurance premiums. At Hopmeier Evans Gage Agency, we redefine the approach to finding the best auto insurance. As an independent agency, we compare your current coverage with a variety of insurance providers, ensuring you get top-notch protection at the best value. Our goal is to offer you great coverage without increased premiums.
No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary from company to company.
Get The Right Coverage For Your Car
When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they're on your policy. Let us clarify a few of the more important ones for you.
Collision Coverage — this is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..
Comprehensive Coverage — this coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you're driving on the highway, an animal you might hit, and so on.
Property Damage — suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage
Bodily Injury Liability — this coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it's dangerous to carry liability limits that are too low. This is something we can help you decide on.
Un-insured & Under-insured Liability — this coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren't carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.
Ride Share & Uber Insurance--- Make sure you don't have any coverage gaps while you are driving for Uber or Lyft. Your regular car insurance won't have your vehicle covered in every situation.
Common Auto Insurance Rating Variables
Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don't get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident
Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be
Car — the type of car, engine size, safety features, etc.. are all par of the rate of course
Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won't get a preferred rate until those things are at least 3 years old
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone's pricing in the household
How To Get The Best Car Insurance Policy
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If you live in Schenectady and are looking for auto insurance, Hopmeier Evans Gage Agency makes the process of finding the best company and price easy. For more info, read our blog: Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?
Policyholder Testimonials
Great customer service, highly recommend! I worked with Stacy to get car insurance and she was so very helpful! Thank you Stacy for being as accommodating as you were and helping me to get a great price on my car insurance.
Angela Leva
Stacy was by far a huge help!!! Getting my new Lexus was a better experience because Stacy went above and beyond to help me get a great insurance plan. I would highly recommend! Thanks Stacy!!
Samantha Voas
Todd was very helpful in setting up my car insurance. I would highly recommend.
Michelle Tallman
