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2024

Last updated:

Best Local Car Insurance Agencies in Schenectady

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Schenectady Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

50Reviewed

35Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
5 Southside Drive, Clifton Park, NY 12065
  • Multiple Carriers

Why choose this provider?

Canoe Insurance Agencies is an independent insurance agency servicing the Schenectady community since 1991. It provides a wide range of personal and commercial auto insurance coverage options by shopping through the insurance market and give clients the best policy options depending on their needs. A variety of vehicles can be covered under the commercial lines of insurance including limos, taxis, and buses. The company also offers nationwide pet insurance as well as farm and agriculture coverage options to businesses.

License Verified:

License: 980476

New York State Department Of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1566 State Street, Schenectady, NY 12304
  • Multiple Carriers
  • Bundling Option
  • Home & Auto Insurance

Why choose this provider?

John R. Zongrone Agency, Inc. is an independent and family-owned insurance agency that had been serving residents of Schenectady for more than 50 years. It offers automobile insurance, including coverage for vehicles such as motorcycles, motor homes, travel trailers, and antique automobiles. It also offers insurance that covers boats, Jet Skis, and wave runners. The John R. Zongrone Agency, Inc. team has a combined experience in insurance work of over 200 years. It also handles homeowners', health, and life insurance.

License Verified:

License: 769392

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (35)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
139 Mohawk Avenue, Scotia, NY 12302
  • Multiple Carriers

Why choose this provider?

Rowledge Agency is an independent insurance agency servicing the Schenectady community. With over 85 years of being in business, the agency has been providing personal and commercial auto insurance coverage options by partnering with different insurance carriers. It then has access to a wide selection of policies that can be tailored depending on clients' needs. Clients can also choose a variety of policy service options directly on the website. Watercraft and boat insurance packages are also offered by the agency.

License Verified:

License: 653376

New York State Department Of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
136 Clinton Rd, New Hartford, NY 13413, New Hartford, NY NY
  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Why choose this provider?

The Frigault Agency, Inc. offers personalized insurance solutions to customers in Schenectady and the surrounding areas. This independent insurance agency offers automobile insurance solutions to protect the clients, their cars, and other assets. Its insurance agents will review coverages for collision, vandalism, theft, and fire incidents. They also provide insurance for motorcycles, boats, snowmobiles, travel trailers, and other recreational vehicles. Other services offered include life, business, and homeowners' insurance programs.

License Verified:

License: 985941

New York State Department Of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
469 State Street, Schenectady, NY 12305
  • Home & Auto Insurance

Why choose this provider?

Since its inception in 1996, SEFCU Insurance Agency has been striving to protect the financial interests of individuals and families in Schenectady with its professional insurance services. The independent local insurance company assists car owners in achieving financial security for their vehicles through an auto insurance policy. Its insurance agents work with multiple providers to craft personalized policies for each client. Some of its auto coverage offerings include bodily injury, property damage, medical payments, collision, comprehensive, towing, and alternative transportation.

License Verified:

License: 913440

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (100)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
40 North Central Avenue, Mechanicville, NY 12118
  • Multiple Carriers
  • Motorcyle & ATV

Why choose this provider?

The Connors Agency is an insurance service provider offering auto insurance products to Schenectady drivers and car owners. The company was established in 1955 by John H. Connors when he was 27 years old with the aim of providing public service and high-quality solutions. His team is equipped to handle automobile insurance policies that match each customer's needs. Additionally, the office's staff is on standby to attend to auto insurance emergencies.

License Verified:

License: 920144

New York State Department Of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.7 / 5 (15)
Facebook
4.1 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14 Saratoga Rd Ste1, Glenville, NY 12302
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Anthony Catalfamo Agency, LLC, is a car insurance agency based in Schenectady. The agency was founded by Anthony Cathalfamo, who had served the army for 8 years and has been in the industry for 4 years. The agency helps its clients purchase quality auto insurance by letting them know their options and what type of insurance fits them best. It offers personalized service in consideration of its client's unique situations. The agency also writes various insurance lines such as home, commercial, life, and flood insurance.

License Verified:

License: 1436390

New York State Department Of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (7)
Google
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2031 Doubleday Avenue, Ballston Spa, NY 12020
  • Bundling Option

Why choose this provider?

Nancy Lefebvre is a car insurance agent serving clients in Schenectady. She helps her clients by identifying and fulfilling their financial protection needs through education and needs-based selling. Nancy also offers policies for home, life, accident, and health insurance. As she believes that people prefer to be guided by someone they know, through both good and bad times, Nancy Lefebvre offers personalized service to ease the stress that comes with buying insurance policies.

License Verified:

License: 690101

New York State Department Of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
5.0 / 5 (3)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15 Angers Avenue, Schenectady, NY 12303
  • Multiple Carriers
  • Motorcyle & ATV
  • RV & Motorhome

Why choose this provider?

Angers & Litz Associates, Inc., is an independent insurance agency that has been active for over 50 years. A family-owned business, its agents have 200 years of experience in assessing and choosing protection plans for automobile owners. The company covers different kinds of cars including classic cars, RVs, and travel trailers. It uses a Secure Socket Layer (SSL) to protect client's personal and policy information on the website. Angers & Litz also provides business insurances for apartments, fast foods, taverns, and contractors.

License Verified:

License: 606167

New York State Department Of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
2330 Broadway, Schenectady, NY 12306
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Hopmeier Evans & Gage Insurance, Inc., is a local insurance firm that assists clients in Schenectady in attaining financial protection. The full-service insurance agency provides a variety of auto insurance options that can adequately protect their clients' loved ones and vehicles. Some of the auto insurance policies they offer include collision, comprehensive, bodily injury liability, property damage, and uninsured and under-insured motorists. Its agents represent multiple carriers and help clients select the right provider akin to their needs. The company has been operating since 1968.

License Verified:

License: 647972

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (127)
Facebook
4.6 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
238 South Central Avenue, Mechanicville, NY 12118
  • Multiple Carriers

Why choose this provider?

Founded in 2011, Knapp Insurance Agency LLC serves individuals and businesses in Schenectady. Included in its line of products is auto insurance wherein the agents review policies from different carriers to find coverage that will suit clients' individual needs. Liability protection coverage and physical damage coverage are some of the auto insurance options offered by the team. Linda C. Knapp and Danielle L. Knapp, the founders of Knapp Insurance Agency, have over 20 years of combined industry experience.

License Verified:

License: 833398

New York State Department Of Financial Services

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1741 U.S. 9, Clifton Park, NY 12065
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

Why choose this provider?

Armor Group Insurance is an independent insurance company in Clifton Park that operates in Schenectady and the entire New York State. The company provides personal and commercial insurance solutions and offers comprehensive auto insurance policies. The policies protect clients and their vehicles from liabilities, damages, and losses caused by accidents and collisions. The Armor Group has a dedicated 24-hour hotline for inquiries and insurance services and a website that can process quotes and payments.

License Verified:

License: 1282469

New York State Department Of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (40)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
457 Route 146, Clifton Park, NY 12065
  • Multiple Carriers

Why choose this provider?

Attending to all types of Schenectady's insurance needs, Capital Gate Insurance offers homeowners, general liability, and auto insurance to the rest of Albany. In addition to autos, the agency also handles other types of vehicles such as boats, motorcycles, and recreational cars such as RVs and snowmobiles. As an independent agency, the company shops from over 25 carriers on behalf of clients, to provide the suitable policy that will fit their lifestyle.

License Verified:

License: 1187662

New York State Department Of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (33)
Facebook
4.9 / 5 (19)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2129 Central Avenue, Schenectady, NY 12304
  • Multiple Carriers

Why choose this provider?

2001 Central Insurance Agency is a property and casualty insurance agency that provides car insurance in Schenectady. The Colonie, New York-based family-owned insurance agency offers car insurance options such as accident insurance, liability insurance, property insurance, natural disaster insurance, and full coverage insurance. It also offers other kinds of insurance coverage like life insurance, business insurance, home insurance, and pet insurance. 2001 Central Insurance Agency also services Albany, Penfield, Poughkeepsie, & Rochester.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (24)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    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.

  • How to find the right car insurance policy providers in Schenectady?

    Policyholders in Schenectady must get the most auto insurance coverage for their money by researching multiple insurers that offer incentives, additional benefits, and discounts. They must look at the provider's customer service ratings to see if the provider has an open line of communication and is reachable in the event of a problem. Policyholders must also validate the credibility of insurance agencies or agents by checking licenses on the New York Department of Financial Services website.

  • What is the gap coverage in the car insurance policies in Schenectady?

    The gap coverage is an add-on to car insurance policies that helps policyholders in Schenectady cover the difference between the vehicle's actual cash value and the amount they owe on their car. It can save you a lot of money if the settlement for the insured vehicle that was stolen, in an accident, or unrecovered is insufficient. However, gap coverage has deductibles and does not cover mechanical repairs, medical expenses, or funeral expenses.

  • Can a resident in Schenectady insure their commercial vehicles under their personal car policies?

    Personal car insurance policies in Schenectady do not cover commercial vehicles as they are more exposed to liability. Individuals who own cars used for business purposes, such as food trucks, employee vehicles, and cargo vans, as well as those used to transport people, such as taxis and non-emergency medical vehicles, should obtain commercial auto insurance. Commercial policyholders must carry a minimum liability limit of $50,000 per accident, $25,000 per person, and $10,000 for property damage.

  • Can an immigrant in Schenectady purchase an auto insurance plan?

    Yes, immigrants in Schenectady can obtain auto insurance policies because federal law does not prohibit insurers from selling policies to undocumented individuals. However, most insurance companies require policyholders to present their home country's driver's license or apply for a driver's license from New York's DMV if they have been in the state for at least 90 days in order to obtain coverage. Insurance companies also advise applicants to obtain an International Driving Permit if their license is not in English.

  • Do the auto insurance policies cover flood damage in Schenectady?

    Yes, the comprehensive coverage under the auto insurance policies protects policyholders in Schenectady from damage caused by natural disasters, like floods, mudslides, lightning, and earthquakes. This coverage is optional for those who paid for their car, while it may be required for those leasing or financing their vehicle or living in a flood-prone area. Some insurers provide rental cars while the policyholders' damaged vehicle is being repaired, while others offer a new car if the sustained damage is unavoidable.

  • What is car insurance?

    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.