Auto Insurance
Coverage for Every Driver
Whether you drive a single vehicle or manage a fleet, we find auto coverage that fits your driving profile and budget. As an independent broker, we compare rates across multiple carriers so you're not locked into one company's pricing.
What's Covered
New York requires minimum liability coverage. We'll make sure you meet state requirements and have the protection you actually need.
Who we work with
Coverage for Every Driver in New York
Individual Drivers
Whether you have a clean record or a few bumps in your history, we shop across carriers to find you competitive rates — not just the easiest policy to write.
Multi-Vehicle Households
Insuring more than one car? We bundle coverage across your household to maximize savings without sacrificing protection on any vehicle.
High-Risk & Non-Standard
New license, prior lapses, or a less-than-perfect record? We work with carriers who specialize in non-standard auto so you stay legally covered in New York.
New York requirements
What New York Law Requires
New York is a no-fault state, which means your own insurance pays for your medical expenses after an accident regardless of who caused it. Every driver must carry minimum liability limits and Personal Injury Protection (PIP). We make sure you meet every state requirement — and we'll explain what the minimums actually mean for your real-world protection.
Beyond the legal minimums, we help you understand where gaps in coverage could leave you exposed — and how to close them without overpaying.
Bodily Injury Liability
Required minimum: $25,000 / $50,000
Property Damage Liability
Required minimum: $10,000
Personal Injury Protection (PIP)
Required minimum: $50,000
Uninsured Motorist Coverage
Required in New York
Not sure what you need?
Call Daniel directly or submit a quote request and we'll figure it out together.