Automobile Insurance

At Alan Insurance we only work with the top rated companies in the industry so you can be rest assured you have the peace of mind for you and your family,

Next to your home, your automobile is often the most expensive piece of property you own. As a result, it is important to seek the best value when buying your insurance. To ensure that you have the proper protection, there are a number of ways that you can reduce the cost of your auto insurance premiums while obtaining the coverage that you need, including:

Deductibles

Choosing higher deductibles for collision and comprehensive coverage is an easy and cost-effective way to lower your auto insurance bill. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.

Discounts

Multi-policy By insuring your auto and home with the same company, you will receive a discount on your auto premium as well as your homeowners insurance premium.
Multi-car If you insure two or more cars with the same company and they are owned and used by the individual and/or relatives living in the same house, you receive a discount.

Driver-related Discounts

Good drivers who have no accidents or violations receive the most competitive rates, but there are other factors that can reduce your premiums even further, including:

Driver training If you have a young driver (under age 21) insured who has completed an accredited driver-training course, you will receive a premium discount.
College student Young, unmarried, full-time college students who spend most of the college term away from home without the use of an auto are eligible for a discount.
Age 55 & older (why wait to 65 with some other companies?) Cars driven primarily by an insured who is 55 and over receive a discount on the bodily injury, property damage, medical payments, personal injury protection, comprehensive and collision premiums.
Accident prevention course If the principle operator is age 55, you may receive an additional discount in NY if you voluntarily and successfully complete an approved motor vehicle accident prevention course.

Coverage options and explanations are as follows,

Bodily injury liability: Covers your legal fees, court costs and compensation due to bodily injury claims brought against you.
Medical payments: Covers the medical expenses for injuries sustained by you, resident relatives and other people in your auto as the result of an accident.
Property damage liability: Covers your legal liability for property damage claims brought against you.
Collision: Coverage that pays for damage to your auto and its equipment caused by collision or upset.
Comprehensive: Coverage that pays for damage to your auto and its equipment not caused by collision or upset. This includes, but is not limited to damage from fire, theft, glass breakage, vandalism and damage that results from contact with persons, animals, birds or falling objects.
Uninsured and underinsured motorist coverage: Provides coverage when you are injured in an accident caused by another person who either has no auto insurance or who has lower insurance limits than you carry and which are insufficient to cover your damages. Some states require that this coverage also include property damage.

At Alan Insurance we also provide Insurance companies that have pet insurance. You may ask what is that? well for those of us who love our pets we will take them pretty much anywhere we go thus increasing the chances your pet could be injured in a accident. In years past companies would not help you in the event something happened to your pet but now its included in the policy up to $500.00 in most cases for veterinarian bills or in a worst cast $500 towards the replacement of the pet. Now we know thats not even close to enough but its nice to know some companies have listened to your requests.

Now if you should have a accident our staff at Alan Insurance can help you get through it as painlessly as possible, here are some tips if a accident occurs,

As best you can, protect yourself, your auto and any other property from further damage.
You should call the police as soon as possible if someone is injured, damage is extensive, your vehicle has been stolen, or if you need assistance.
don’t say you’re liable, or if anyone asks you to sign a statement, don’t.
Take the time to fill out the information on a card that we can provide to card while you are at the accident scene. This will help you later when you fill out the formal Claim report with us or your insurance company.
report the claim to your us or your insurance company as soon as possible. For your convenience, you can also report the claim on any of the companies we represent on their website (see report a claim tab)
If you are a commercial driver, let your employer know about the accident right away.

For further discounts and to get a quick quote please contact us today or fill out the get a quote info to get a quote in 10 min.