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Best Local Car Insurance Agencies
2022

The Best Local Car Insurance Agencies
Here Are The Top Local Car Insurance Agencies
JNR Insurance Agency Inc.

JNR Insurance Agency Inc.

JNR Insurance Agency Inc. is a locally owned and operated insurance agency that caters to the car insurance needs of clients in Brooklyn and the surrounding communities. In addition to standard personal insurance, the policies available also include specialty insurance such as cyber liability insurance and liquor bonds. Representing reputable carriers such as Progressive and Amtrust, the agency has assisted thousands of individuals and businesses for more than 15 years since its formation in 2004.

Brooklyn, NY 11249

Website

Website
PFS Group, Inc.

PFS Group, Inc.

Serving the residents of Brooklyn, PFS Group, Inc. offers a wide range of insurance products for the city's families, individuals, and businesses. The company provides coverage for homeowners, business, and term life insurance. Vehicle owners can avail of the company's auto insurance policy to be insured in the event of fire, theft, damages, or accidents. PFS Group includes a service center in its website where clients can conveniently access their accounts and change or add basic services.

Brooklyn, NY 11203

Website

Website
Regency Agency, Inc.

Regency Agency, Inc.

Regency Agency, Inc., is an independent insurance company based in Brooklyn that has been providing insurance services and products to clients since 1979. It writes auto insurance policies for clients to protect them from expenses caused by collisions, physical damages, towing, and even car rentals. Regency Agency, as a family-owned and operated business, offers customer service with a family touch. Additionally, it caters to clients located throughout New York and New Jersey.

Brooklyn, NY 11209

Website

Website
Umanoff Boyer Agency

Umanoff Boyer Agency

Umanoff Boyer Agency is an independent auto insurance agency operating in the Brooklyn metro and nearby areas. The company's car insurance policies protect against huge financial losses in the event of an accident. It has been operating for more than three decades and has been designing insurance solutions that match clients' budgets and their diverse needs and lifestyles. The family-owned agency is licensed in New York, Connecticut and New Jersey and also provides services under other insurance lines.

Brooklyn, NY 11234

Website

Website
John Garfinkel

John Garfinkel

John Garfinkel is a State Farm insurance agent based in Brooklyn. He has been providing car insurance services for around 16 years. He also has insurance plans for motorcycles, off-road vehicles, motorhomes, and boats. Aside from auto insurance, he also insures renters, homes, condos, co-ops, and businesses and offers notary services. Additionally, he can provide coverages for pets and jewelry. His office can cater to clients who speak Italian and Polish.

Brooklyn, NY 11222

Website

Website
TLC Black Car Inc.

TLC Black Car Inc.

TLC Black Car Inc. is an independent insurance provider serving the people of Brooklyn. Its professional associates work closely with financially strong, reputable insurance companies to help vehicle owners secure car insurance policies that fit their specific needs, expectations, and priorities. For convenience, they maintain a mobile app, which clients can use to personally manage their insurance accounts. In addition to standard auto, TLC Black Car Inc. also offers insurance products for commercial auto, businesses, contractors, and homeowners.

Brooklyn, NY 11228

Website

Website
A1 Brooklyn Brokerage, Inc.

A1 Brooklyn Brokerage, Inc.

A1 Brooklyn Brokerage, Inc., is a full-service insurance company that has been serving the Brooklyn metro area and nearby communities for three decades. Established in 1991, the independent insurance agency guides car owners, motorists, and commercial operators—even drivers deemed high-risk—in seeking financial protection for their vehicles through an auto insurance policy. Its agents compare the coverage options of multiple carriers and choose the best policy that fits the needs and resources of their clients. They also offer insurance options for motorcycles, boats, and jet skis.

Brooklyn, NY 11223

Website

Website
Brooklyn Knight Insurance Brokerage

Brooklyn Knight Insurance Brokerage

Brooklyn Knight Insurance Brokerage is an insurance agency that addresses the coverage needs of individuals, families, and businesses in the metro. Its agents have more than two decades’ worth of combined industry experience and represent many reputable carriers, such as progressive, Auto One, and Safeco. They help drivers of different backgrounds acquire auto insurance plans that will support them financially in the event of an automotive emergency. Additionally, Brooklyn Knight Insurance Brokerage offers business and homeowners insurance.

Brooklyn, NY 11210

Website

Website
Narrows Insurance Agency, Inc.

Narrows Insurance Agency, Inc.

Narrows Insurance Agency, Inc., serves individuals, families, and businesses in the Brooklyn area. It offers auto insurance to help clients protect themselves from damages and financial loss in case of an accident. Its professionals partner with companies such as Travelers, Progressive, and The Hanover Insurance Group to provide clients with an insurance plan that suits their needs and driving styles. Other insurance products include life, health, business, disability, and homeowners' insurance.

Brooklyn, NY 11209

Website

Website
Sammy Martinez

Sammy Martinez

Sammy Martinez is an insurance agent who works with State Farm and serves clients in the Brooklyn area. He gives clients access to car insurance policies and provides risk protection packages for properties, homes, health, and life. Business, annuities, and banking insurance plans are also available. Martinez has been with State Farm since 2015. He and his team aim to assist customers in managing the risks they may potentially face.

Brooklyn, NY 11214

Website

Website

Expert Answers To Common Questions:

  1. Introduction
  2. What is car insurance?
  3. How does car insurance work?
  4. What does car insurance cover?
  5. Does car insurance cover theft?
  6. How does a car insurance deductible work?
  7. Do you need insurance to register a car?
  8. Can you get car insurance without a license?
  9. Do you need car insurance?
  10. How much is car insurance a month?
  11. Why is my car insurance so high?
  12. How can I get lower car insurance?
  13. Do you need insurance to rent a car?
  14. Does my car insurance cover rental cars?
  15. Can I insure a car not in my name?
  16. Can you cancel car insurance at any time?
  17. How can I change car insurance?
  18. How do you become a car insurance agent?
  19. How do car insurance agents get paid?
  20. How much do car insurance agents make?
Q: Introduction
A:
A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
Q: What is car insurance?
A:
Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.
Q: How does car insurance work?
A:
Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.
Q: What does car insurance cover?
A:
Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.
Q: Does car insurance cover theft?
A:
Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.
Q: How does a car insurance deductible work?
A:
A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.
Q: Do you need insurance to register a car?
A:
Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.
Q: Can you get car insurance without a license?
A:
In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.
Q: Do you need car insurance?
A:
Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.
Q: How much is car insurance a month?
A:
Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.
Q: Why is my car insurance so high?
A:
Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.
Q: How can I get lower car insurance?
A:
Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.
Q: Do you need insurance to rent a car?
A:
In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.
Q: Does my car insurance cover rental cars?
A:
Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.
Q: Can I insure a car not in my name?
A:
In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.
Q: Can you cancel car insurance at any time?
A:
In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.
Q: How can I change car insurance?
A:
Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.
Q: How do you become a car insurance agent?
A:
In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.
Q: How do car insurance agents get paid?
A:
Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.
Q: How much do car insurance agents make?
A:
Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.