For your convenience, our most common customer questions are answered right here.

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Q: Do I need to get insurance before I register my car in New York State?

A: Yes, Insurance is required before you can register a motor vehicle in NYS. However there are several exceptions to this rule. Motorcycles, ATV’s, Snowmobiles, and Trailers (unless being registered in a business name) do not need insurance at the time of registering, but do require it if being used off of your own property. Boats also do not need insurance to be registered, except for Jetski’s, which do require insurance.

Q: How much insurance do I need to carry?

A: This is a difficult question to answer without reviewing everything you have and your objectives. In my opinion you can never have enough coverage in today’s world, and there are things you cannot put a price tag on. Your best bet is to do a complete review, look at all your options and pick the best ones that you can afford and be comfortable with. You will never be covered for everything so we do our best to educate you on your options so you don’t have an unexpected surprise at a time of loss.