Cheap Apple Auto Insurance Quotes
Apple Auto Insurance Agency is an insurance broker that operates in New York. This company was established in 1991. Today, this company provides a wide assortment of insurance products locally, in the state of New York.
Following is the list of products offered by Apple Agency: personal/commercial vehicle insurance, motorbike/ATV insurance, RV/Camper insurance, boat insurance, homeowner’s/renter’s insurance, and commercial liability insurance. This company can offer competitive rates to all groups of drivers, including experienced and permit drivers. They state that they don’t charge agency fees, hidden costs, or finance charges that are charged by others.
The primary cheap auto insurance companies that this broker works with are: The Progressive Corporation, GMAC Insurance, Hartford Insurance, and Mercury Insurance Group. The Apple Agency’s website states the following information for the aforementioned 4 insurance carriers: their addresses, customer service phone numbers, claim reporting numbers, and information for making payments (by mail, phone, and Internet). This is very convenient, should you ever have the need to contact your carrier fast.
Apple Auto Agency can help their customers locate discounts at the insurance companies they work with. You may ask: why would I want to work through them, and not directly with the carrier, such as Progressive or Hartford? This is because Apple Auto Agency can help you decide what type of cheap auto insurance coverage would be best for your car, motorcycle, RV, boat, or home. They can assess your risks, location, property, and help you compose a policy with the coverage that would meet your needs best.
To talk to Apple’s agents, you can call them. Should you want to visit Apple Auto Agency, you can choose one of their two locations - Albany NY or Troy NY. Both locations work Monday through Friday, 9-5pm.
Remember: if you know what type of coverage you need, you can order it straight from the carrier. It is best not to limit yourself to just 4-5 carriers, and request quotes from a few dozen auto insurance carriers. This can help you find many types of discounts that you are eligible for. If you choose to insure multiple cars with the same company, or opt to insure two assets with them (car and home, car and boat, etc.), you are likely to receive additional discounts.
For the reason of discounts, some people suggest raising your deductible from $500 to $1,000. Yet, even though this can help you reduce the rates drastically, it can also expose you to sizeable financial risks. Should you experience several smaller accidents one after the other, you will have to pay your deductible each and every time.
A more sensible advice in regard to the deductible is as follows: raise your deductible to $1,000 and keep adding the money that you save on premiums to a special bank account (let’s call it an “accident fund”). This way, you may save a few or several hundred dollars yearly on the premium. If you keep the money in your special account and don’t have any claims for years, it should start to grow at a nice annual percentage rate.
