With over 100 years of agency experience in providing auto insurance, we are experts when it comes to solving the insurance needs of licensed drivers. Our partnerships with top-rated insurance companies allow us to offer competitive auto quotes, regardless of age, driving history or challenging circumstances.
While we recognize premium cost is an important factor in determining your coverage, auto accidents can be physically and financially devastating. It is our job to help you understand coverage and the importance of adequate limits so you can make the best decision for you and your family.
Call, email or click "Request an Auto Insurance Quote" above for free, non-obligatory quotes. Our office is open Monday through Friday from 8:30am-4:30pm.
Auto Insurance Coverages
Below are brief explanations of the coverages provided under a personal auto policy (PAP) - please speak with your insurance agent regarding your individual policy limits and coverage.
Click on each image below to learn more.
The bodily injury (BI) coverage on your personal auto policy protects you in the event you are liable for causing injury to another person (driver and/or their passengers). It can be purchased as split limits or as a combined single limit.
Personal Injury Protection (PIP) // “No-Fault Insurance”
PIP protects you and your passengers in the event you are disabled or unable to work due to an auto accident. BRC recommends maxing out your PIP limit ($150,000 in NYS).
Uninsured/Underinsured Motorist Coverage
This coverage protects you and your passengers against the damages you are legally entitled to receive for bodily injury or property damage when the “at fault” driver doesn’t have insurance or if their limits are inadequate
Comprehensive coverage protects your vehicle if it is damaged by something other than a collision – fire, theft, hail, vandalism, flood, hit an animal (deer), tree falls, etc. Any payout is subject to your deductible.
The property damage (PD) coverage on your personal auto policy protects you in the event you are liable for causing damage to another person's vehicle or property (mailbox, fence, etc.). It can be purchased as split limits or as a combined single limit.
Medical Payments Coverage
Medical payments coverage protects you and your passengers regardless of fault. It extends to the cost of reasonable and necessary medical care needed due to an accident. This coverage is typically limited to a time period after the accident – usually 3 years.
Collision coverage protects your vehicle if it overturns or collides with another vehicle or object (guard rail, building or structure, pothole, tree, etc.). Payouts are typically subject to your deductible.
Rental reimbursement coverage will reimburse you for a rental car while your vehicle is being repaired. This coverage is limited to 30 days and subject to the maximum per day amount on your policy.
Roadside assistance coverage covers labor costs incurred at the place where your vehicle is disabled and the towing costs
Auto Insurance Discounts
While discounts and their qualifications vary from company to company, below are a few examples of various auto insurance discounts that you may be eligible for:
Multi-Policy Discount (i.e., home, boat, umbrella)
Homeowner Discount (Dwelling, Condo or Co-op)
Defensive Driving Course Discount - credit remains on the policy for 3 years - NYS DMV Approved Online Course
Accident Free Discount
Low Mileage Discount
Child Away at College Discount (>100 miles)
Good Student Discount ('B' / 3.0 GPA or better)
Paid In Full Discount
Auto Pay / Electronic Funds Transfer (EFT) Discount
Electronic Delivery Discount