NY-compliant auto coverage across ten carriers. We quote your full driver profile — not just a ZIP — and surface what each carrier actually rates differently.
We compare these line by line across the panel — not just the bottom-line premium.
Bodily injury and property damage limits — we recommend 100/300/100 minimum, never the NY 25/50/10 floor.
Damage to your vehicle from a collision, regardless of fault. Deductible options $250 – $2,000.
Theft, vandalism, weather, falling objects, animal strikes. Often confused with collision — they are separate.
Required in NY at minimums. We typically match your liability limits — most carriers default lower.
NY mandates $50,000 minimum. Higher limits and APIP add wage-loss and survivor benefits.
Towing, jump-starts, lockout, rental reimbursement. Cheap to add, expensive to skip.
A short list of the situations we write most. If you're not on the list, ask anyway — we shop the panel either way.
Specific to this line. Personal & commercial panels overlap but aren't identical.
If yours isn't here, call. Estefani picks up.
Yes — your lender requires comp & collision while there's a balance. Once paid off, you decide. We help weigh deductible vs. premium against the car's ACV.
You're still quotable. We have non-standard markets (Bristol West, Dairyland, GAINSCO) for surcharged drivers and SR-22 filings — same-day filing in most cases.
No. We pull a soft inquiry for rating; it doesn't affect your score. Credit-based insurance scores are separate from FICO and don't appear on credit reports.
Yes. Multi-policy discounts run 10 – 25% on most carriers. We'll quote both lines together and show you what bundling actually saves vs. splitting.
Independent. Bilingual. Bronx-based. We shop ten carriers so you don't have to. Hablamos español.
10 Carriers · 7 Lines · Bilingual
