Prices going up? Cars getting older? Where’s the logic in that?

Well it’s true! Prices of insurance are going up quite rapidly and the cars are getting older, leaving many puzzled. So why? Well, the answer is simple, rate increases. This year, insurance companies have these large rate increases since the cost of repairs/coverage is getting more and more expensive despite the underlying factors. What can you do about this? Nothing. Rate increases may occur at anytime no matter what the situation. What can we do about it? We can monitor your accounts on a year to year basis to make sure you are receiving the best coverage available to you at the most competitive price. If we or you come across a price you don’t like, we shop around your policy to make sure you are being rated with the best price. So don’t waste anymore time getting upset or breaking your head. Be at ease and let us do all the work for you!

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Let us meet your Health Needs

With the demand for health care in America, health insurance has become a requirement as opposed to a privilege. Obamacare has forced Americans to seek coverage in order to avoid fines causing many to panic. On an even worse note, at least 6 million Americans have now lost their health insurance due to the new Obama health laws. Employers have also been hit hard by this new law. What many don’t know is health care is affordable and easier to find than you think. Now how do you get this affordable and easy to find insurance? Call us at 516-484-5200 and let us do the work for you. We specialize in finding you the right health insurance, don’t settle for unnecessary high premiums with benefits that don’t fit your needs. We may be able to save you even more money than you think, just take a 3 employee business who saved 15% by enrolling in one of our health plans. This could be your end to the health care crisis.

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Harleysville Homeowners Rates decrease

With so many companies having rate increases, we are pleased to announce that Harleysville Insurance Company has reduced their Homeowners rates in New York.  At the same time, Harleysville opened up their new, highly competitive Personal Auto rating plan in New York State.  Harleysville, an A+ rated  Nationwide company, also writes Flood insurance. Call us today at 516-484-5200 to learn more.

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Insurance Agent Vs. Insurance Company

Having an agent is really like having a friend. You can call us anytime with questions (even the silly ones), you can ask us for advice, ask for assistance, and even better you get to know us as time goes on. Think about calling us directly and already knowing who to ask for. Then think about calling in directly to any company, if you’re lucky enough to get past the electronic intake, you then get passed around from person to person. If you ever call back in the future, don’t expect to talk to the same person. At our agency, we strive on not only serving our clients but becoming close enough to knowing them on a name basis. We also don’t use electronic greetings, you speak to an actual live person when you call. Imagine that, calling about your insurance and not having to go through an electronic prompt- now that’s exceptional!

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What makes up an auto rate?

If you haven’t shopped for car insurance in a long time, you may find it interesting to see what insurance companies use in calculating an auto premium besides the obvious age, marital status and address, year and type of vehicle, usage, coverage limits and driving record.  Some of the latest determining factors are credit, occupation, education, being a homeowner, having 6 months prior coverage, amount of prior bodily injury, annual/limited mileage, advance quoting and paying in full.  Of course, multi car, multi policy, defensive driving and other insurance discounts still apply.  Adding kids into the mix impacts a rate as well.  Call us today at 516-484-5200 to learn more or to get a quote.

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