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Are you looking for a comprehensive car insurance policy to suit your needs? If so, you have come to the right place at K&N Brokerage. We can recommend the most suitable coverage for you after a thorough understanding of your needs.

What Does Car Insurance Mean?
Also known as auto insurance, car insurance is a contractual agreement between you, the driver, or the car owner, where you pay regular premiums in exchange for the company paying your losses in the event of an accident. Liability is taken care of under basic coverage, while you can choose whether you would like your policy to cover property, collision, medical bills, and more. Basic car insurance is mandated in most states for all drivers and car owners.

Why Is Car Insurance Important?
While there are certain things that we can do to reduce the chances of auto accidents, we cannot completely eliminate the risk of accidents or control the actions of others. When you find yourself in a compromising situation, whether you are fully or partially at fault, you may not have ready cash to reimburse the other party for damages, medical bills, and more. Depending on the policy you get, it can also protect your financial position when your car gets damaged by falling objects, fire, or theft. This makes having a car insurance policy of the utmost importance for any driver and car owner.


Collision Coverage

This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.


Comprehensive Coverage

This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.


Medical Payments

This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.

Liability Coverage

Liability Coverage

This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.

Why are Insurance Brokers Important?

  • Auto insurance brokers provide you with car insurance quotes according to your needs, eliminating the basic need for you having to go through all the insurance companies. Since there are so many firms that are working for you in the New York City/ New York State trying to offer the best policies for your cars, you still have to hunt for the specific one, which is ideal for you.
  • A particular insurance policy offered by a specific company might be very beneficial to you according to the services that it provides you but it might be too expensive, and the cheap ones might not provide you all the facilities that you require or might not cover you properly. To get the full coverage from your insurance policies in cheap rates, car insurance brokers are very important. They are the professionals that are working hard every day and night in New York City trying to secure the best policies being quoted by different insurance companies.

When Do You Need Car Insurance?

You should get car insurance when purchasing a new car. Some lenders may even require that you already have the policy in hand before driving it off the lot. Your lender may also require you to have coverage throughout the entire period of your loan. Only two states – New Hampshire and Virginia – do not mandate that car owners and drivers purchase car insurance. However, that does not mean you are off the hook when it comes to paying damages: you will have to pay it out of pocket.

In addition, when someone new is going to be driving your car, such as your child who has just obtained their license, you will need to get their names added to your policy for them to be covered.

How Long Does It Take to Get Car Insurance?

Unlike other types of insurance, the process of getting car insurance is fairly quick. An application can be completed in half an hour, as long as you have all the required documents ready. In many cases, the policy can be issued on the same day as the application, sometimes as soon as within a few hours. Of course, it helps to know what type of coverage you are looking for beforehand.

Why Choose K&N Brokerage?

Our car insurance specialists at K&N Brokerage are well-versed in the laws surrounding auto insurance policies and can recommend the most suitable coverage to fit your needs after taking into consideration of your age, driving history, and more.

If you have any questions about K&N Brokerage’s car insurance specialists, feel free to call us at 718-739-9090 or send an email to [email protected]

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