It is not uncommon for New Windsor, NY, area drivers to contact Bryan Insurance Agency LLC looking for quotes on auto insurance at “state minimum levels.” There are several reasons this may not be the best approach. You may be doing yourself a disservice. Here’s why.

Minimums may not be sufficient.

State minimums are designed to provide bare-bones coverage to provide some protection for drivers. This is the lowest acceptable level of coverage for people to drive legally.

If you have better-than-average assets, minimal coverage may not be enough to provide the protection you deserve.

There are better ways to save than reducing your coverage.

You can increase your deductibles and do more comparison shopping to get better rates on your car insurance. Stripping important coverage or lowering limits to minimums may prove to be counterproductive.

Minimum coverage is not always the best “deal."

You can often add protection or increase coverage limits at very affordable rates. If you settle for minimums, you may be missing out on some valuable and affordable protection.

Comparing apples to apples.

Many consumers will compare rates at state minimum levels because it allows them to make an apples-to-apples comparison. That’s fine. But you can also compare quotes at higher levels. You may find improved coverage at the same or a better price when you compare.

Include us in your search.

Rather than searching for state minimum coverage, it may be best to seek maximum coverage at the best price. We can help. Contact us at Bryan Insurance Agency LLC of New Windsor, NY.

Let’s discuss your coverage and your options. We can provide a state minimum quote and show you how a few dollars more can make a significant positive difference.