Auto Insurance

It pays to be a safe driver. Did you know you can receive safe driver discounts on your policy? Auto Insurance has many different components. As with any product, the cheapest is not the best. With that in mind, we work with you to tailor a policy to fit your level of risk and budget. While we hope you are never involved in an accident, most neglect to think about the consequences until after they happen. Every year, serious injuries and fatalities occur on our roads and highways, and many can result in millions of dollars in property and liability damages. Before purchasing auto insurance, ask us about the following coverage areas and consider purchasing adequate limits of each to properly protect yourself and your family.

1. Bodily Injury- Required in New York State and covers injuries you cause to others in an accident. Minimum limit in New York State is $25,000 per person and $50,000 per accident.
2. Property Damage-Covers the damage your vehicle causes to other property including other vehicles or physical property such as a building, garage, or fence. The minimum limit in New York State is $10,000.
3. Uninsured/Underinsured Motorist-Covers damages to you if you are involved in an accident where the other party does not have insurance or does not have sufficient limits.
4. Comprehensive-Covers damage to your vehicle from something other than a collision. Examples include fire, an object falling on the vehicle, or vandalism.
5. Collision-Covers damage to your vehicle as a result of an at fault accident.

Robert J. Hoy Agency can insure all of your cars on one policy.  Call Us Today for a free quote and review of your auto insurance policy!

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