New York Car Insurance

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Car Insurance

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Classic / Antique Insurance

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Motorcycle / Boat / RV / Snowmobile

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If you want to drive in the Hudson Valley New York region, you'll need the proper NY car insurance coverage. That's because the state of New York, like most states, requires that drivers have car insurance before they take to its highways and side streets. However, unlike some other states, NY requires several different underlying coverage's to be included in your car insurance policy.


If you are in the market for new auto insurance, then our team at Hudson Valley Agents in Walden, NY wants to help you make an informed decision.

With many drivers knowing very little about their coverage, we thought it would be helpful to present some facts to you so that you can make an informed decision about your next auto insurance coverage.


Basic Coverage May Not Be Enough


Getting basic auto insurance coverage may seem like a value, until it’s not. With basic coverage, many people learn the hard way that they didn’t have enough coverage to cover their financial needs following an accident. Do not get caught off guard financially. Get a quote for auto insurance coverage based on your financial risks.


Increasing Your Deductible Can Save You Money


Your deductible is the amount of money you are responsible for when you experience a loss. When you opt for a higher deductible, you’ll likely get a decrease in your monthly premium. We want to be your auto insurance partners. We can help you get the right amount and type of insurance based on your needs.


You Are Responsible When You Let People Drive Your Vehicle


The rate you pay for your auto insurance in Montgomery or Kingston, NY like most other places is based on risks. If you are viewed as a risky driver, then you will likely pay more for your auto insurance. Additionally, if you allow other people to drive your vehicles, then you will likely have to pay more because they increase your risks. Typically, when you live with additional people, insurance companies assume they have access to your vehicles, so they may be a factor in determining your auto insurance rate.


If you have a teen driver in your home


The initial impulse may be to get them a car and their own insurance. And, why not? Independence is the American way. Every teen wants to be able to drive around town without their parents. They will need their own auto insurance policy, right? Well, not so fast. There are some possible downsides to letting a teen go it alone when it comes to auto insurance. Hudson Valley Agents is here to help.

When insurance actuaries calculate prices for policies, they take into consideration auto accident rates. Quite simply, teens are a very high risk. They are the most likely demographic to end up in a road accident. These odds rise exponentially when more than one teen is in the car together without adult supervision. So, if you have a teen driver expect to pay more on insurance.

Keep Them on Your Auto Insurance.

A simple way to mitigate the cost of insuring a teen driver is to keep them on your family plan. Your own sterling driving record will help keep the cost lower than the extremely high costs often associated with insuring a teen.Yes, it is likely that you will be paying a bit more in general; however, bundling them onto your already existing account or buying a new family policy can lead to lower overall payments than are usual for those who have separate teen policies.Sometimes it does make sense to put a teen driver on their own policy because each situation is unique. That's why we offer free consultation to help you decide what is best for your situation.

What our customers are saying

Dawn Calyer

I’ve been very happy with the experience Ive had with my Agent , Ashley Berry from Hudson Valley Agents .. she has been with me since a few yrs back and does Exceptionally great when it comes to helping me in anyway possible I give this company an A+ she is the best I’ve had ever to accomplish what was needed in all aspects of her job title !! Girl you are the best !!! I’ll never go anywhere else but there (Hudson Valley Agents located in Walden Ny… thanks Ashley for what you do 💜!!