If you have been looking for auto insurance, then you have come to the right place. Established in 1957, Skeele Agency, Inc. has provided our expertise in the auto insurance industry, which gives us the competitive edge for finding you the perfect coverage for your vehicle at the right price!
How much auto insurance do I need in New York?
The New York minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In New York, drivers need a minimum of $10,000 in property damage coverage, $25,000 for bodily injury per person, and $50,000 for bodily injury per accident.
What is the best deductible?
The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford.
What is “full coverage?”
There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, rental reimbursement, and roadside assistance/towing.
How can I save money on my car insurance?
You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common.
How long does an auto accident affect my insurance?
A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with.
Is buying direct cheaper than buying through an agent?
Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money.
What is the best auto insurance company?
The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation.
What is the best or cheapest auto insurance rate?
The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice.
How do I switch to a new auto insurance company?
You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap.
Our auto insurance coverage is broad enough to offer protection for you and your family while also safeguarding against financial losses in case of an accident. Common types of coverage include:
This includes bodily injuries or property damage during an accident.
This covers any damages to your car other than when involved in a collision.
This covers the damage caused to your vehicle.
Personal Injury Protection (PIP):
Covers medical payments including work loss, funeral costs, rehabilitation services, and much more.
Uninsured and Underinsured Motorist Coverage:
This provides liability (bodily injury and property damage) if the other driver is uninsured or underinsured.
Auto Insurance Coverage
Having auto insurance is mandatory in most states. If you have tried looking for auto coverage, you undoubtedly have come across different industry terms that may have confused you. Our professional insurance agents can help you decipher the different policies and what they cover in detail.
As professionals in this industry, we want to make buying a policy a simple process by providing you with professional recommendations to make the policy unique for your needs at a competitive price. At Skeele Agency, Inc., we offer coverage to all drivers, regardless of driving history.
- Driving record
- Driving experience
- Credit history
- Commute distance
Because every driver is unique, we will put together an auto insurance policy that is tailored for each individual driver and their needs.
So, which is the best coverage for you? Call our agents today and we will evaluate your situation before giving you a customized quote. We cover areas throughout New York, with offices located in Cazenovia, Chittenango, DeRuyter, Manlius, Moravia, and Waterville.
FOR PROFESSIONAL INSURANCE SERVICES, CONTACT US TODAY!