A black SUV parked in the driveway of a stone house

Franklin Square · Nassau County · Licensed in New York

Auto Insurance in Franklin Square, NY

We're the agency on Franklin Ave, not a call center in another state. One application gets your cars rated across 30+ carriers, and we tell you plainly which one came back best.

Run an Instant Quote Call (516) 216-5600

83 Franklin Ave, Franklin Square, NY 11010 · Office Mon–Fri 9–5

What New York Requires

Every registered vehicle in the state needs the same three things. Most drivers we meet are carrying exactly the minimum and don't realize it.

Liability — 25/50/10

$25,000 per person and $50,000 per accident for injuries you cause, plus $10,000 for property damage. It's the legal floor, and a single serious accident can blow through it.

No-Fault (PIP) — $50,000

New York is a no-fault state. Your own policy pays your medical bills and lost wages after an accident regardless of who caused it, for you and your passengers.

Uninsured Motorist

Required here. It covers you when the driver who hit you has no insurance, or nowhere near enough of it.

Collision & Comprehensive

Not required by the state, but required by every lender we've dealt with. If the car is financed or leased, you're carrying both.

Why Two Neighbors Pay Different Rates

People are often surprised that the house next door pays hundreds less for a similar car. A handful of things drive it, and only some are in your control.

Where the Car Sleeps

Carriers rate on the garaging address, not where you work. Two Nassau County zip codes a mile apart can price differently.

Carrier Appetite

This is the big one. Every company wants a slightly different customer, so the same driver gets very different numbers depending on who's rating it. That's the entire argument for shopping it across 30+ carriers instead of one.

Record and History

Accidents, tickets and gaps in coverage all move the number. They don't disqualify you — we place higher-risk drivers regularly through non-standard carriers.

Limits and Deductibles

Raising a deductible lowers the premium and raises your out-of-pocket. We'll show you both numbers side by side instead of picking for you.

Ways Franklin Square Drivers Actually Save

Bundling the car with a homeowners or renters policy
A defensive driving course, worth up to 10% off the liability portion in New York
Re-shopping at renewal instead of letting it roll over — we do this automatically for our clients
Raising the deductible on an older vehicle that's nearly paid off

Common Questions

Do you insure drivers with accidents or tickets on their record?

Yes, regularly. We work with non-standard carriers who specialize in higher-risk drivers, and several of our Google reviews come from people who had been turned away or quoted over $1,000 a month elsewhere.

How fast can I get proof of insurance?

Auto rates come back instantly through our carrier portal, usually in about three minutes, and ID cards follow as soon as the policy is bound. If you are sitting at a dealership needing proof today, call the office and we will handle it on the phone.

Do I have to come into the Franklin Square office?

No. Everything can be done by phone, email or text, and most of our clients never come in. The office at 83 Franklin Ave is open Monday to Friday 9 to 5 if you would rather sit down with someone.

Can you quote my current policy without me switching?

That is most of what we do. Send your declarations page, we re-shop it across our carriers, and if your current policy is the better deal we will tell you to keep it.

Where We Write

We're an independent agency licensed across New York State. Most of our clients are within a few miles of the office: Franklin Square, Elmont, West Hempstead, Valley Stream, Garden City, Malverne, New Hyde Park, Floral Park, Hempstead, Mineola, Uniondale, Lynbrook, Rockville Centre, Levittown and Hicksville, and the rest of Nassau County.

Start My Quote Call (516) 216-5600