If you are a resident of Albany, Schenectady, or Saratoga Springs New York, you have many options for insurance. However, it is important that you work with an independent agent so that you can get the best possible service. While you can purchase your policy online, when you do that you will not get the answers to all your questions or have someone working on your side to make certain you get the best possible service.

One of the questions you may have about your policy is “Do car insurance companies automatically adjust your premium based on your record in Albany, New York?” The question seems simple, but it is one that you may have trouble answering yourself. The truth is, no one knows what the insurance companies will take into account when they are adjusting the premium on your auto insurance.

In many cases, if you have a negative mark put on your record, the insurance companies will adjust your policy up. However, they do not often adjust it down—without someone on your side at least.

Luckily, if you are willing to work with an independent agency, like ours, you do have someone on your side. Not only do you save up front—because of our system that compares rates from multiple insurance companies—but, we can also save you money down the road. If your record is impeccable, we may be able to help you get the rate lowered, or if you do have a blemish on your record, we will do what we can work with the companies for this too.

So, make sure you are covered! Give us a call or contact us today and let one of our hard-working and knowledgeable agents help you get started.