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GEICO Insurance Agent
You Could Save on Home Insurance. Talk to an Agent & Get a Quote Today
Business Profile
Erik LaChance - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Vernon Hinson - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Nicolas Morales - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Becky Ianniello - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Rob Field - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
John Capobianco - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Jolene Kahlor - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
GEICO for Your Business
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Business Profile
Important Terms Insurance Agents and Agencies Use
The following are some important – but lesser known – insurance terms that may be used by your insurance agent or agency.

Binder: A binder is an initial or limited agreement between an insurance agent or agency and a client. Binders are a way of offering temporary coverage to an individual before a permanent policy is drafted or signed.

Comprehensive Coverage: Comprehensive coverage reimburses a policyholder for uncontrollable occurrences. Comprehensive coverage can be included in auto and homeowners insurance policies and includes events like vandalism, theft, fire, and damages caused by natural disasters like storms and floods.

Endorsement: An endorsement, or rider, is a change made to an insurance agreement that adds or eliminates certain coverage.

Incontestable Clause: An incontestable clause is a part of certain kinds of insurance policies that removes an insurance company’s ability to argue a claim. For example, if someone with life insurance commits suicide, the insurance company cannot deny coverage if the policy has been in effect for a certain amount of time. Incontestable clauses usually take effect after about two years.

Lapse: A lapse is an end to insurance coverage due to nonpayment. Most policies offer a grace period before a lapse occurs.

Mandated Benefits: These are policy benefits that must be offered to health insurance subscribers. Mandated benefits are determined by state and federal laws.

Surcharge: A surcharge is a monthly fee in addition to the usual monthly premium. Surcharges are often added to car insurance policies if a moving violation or accident has been reported.

Underwriting: Underwriting is the process of charging particular rates based on a potential or current client’s general information. This generalization is the degree of insurability of a particular group. For example, a teenage female and an elderly male are classified differently and will pay different premium rates.

Connecture
Our local Albany area insurance agents specialize in family and individual coverage to suit your budget and needs. Let us make sure you have the coverage you need from our insurance agents.
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National Association of Professional Insurance Age
The members of our prestigious association are the most professional insurance agents available in the nation. Find the right type of provider and coverage you need with our association.
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American Association of Health Plans
If you're looking for a dependable and affordable health insurance agent or agency near you, check our association's directory. Listing only the best insurance agents and agencies in the country.
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National Center for Assisted Living
Businesses specializing in health care coverage should be a part of our nationwide association for health care. Whether you're an insurance agent or agency, you should be a part of our association.
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STANDARD LISTINGS:   INSURANCE-AGENTS-AND-AGENCIES IN/NEAR ALBANY
Cote Insurance Agency Write review for this local business
68 Weibel Ave, Saratoga Springs, NY 12866
(518) 587-3303  
cheap insurance Saratoga springs, insurance agent, business insurance, affordable insurance, save on insurance, wilton, Saratoga, new York, car insurance, home insurance, house, renters, motorcycle
Neill and Neill Insurance Agency Write review for this local business
662 Riverdale St, West Springfield, MA 01089
(413) 732-4137  
We provide assistance and consultations for individuals and families on a medical, auto, homeowner, or business insurance plan. Call us to make an appointment!
Collins & Rockwell Insurance Agency
1 review: *****
11 Dale St, West Hartford, CT 06107
(860) 236-6211 Write review for this local business

"There is unlicensed agents working in this office and giving people the wrong advise. They are not very knowledgeable. Not very friendly either. I will never do business with them again. ..."
Allstate Insurance Write review for this local business
892 Troy Schenectady Rd Ste 2, Latham, NY 12110
(518) 595-3236  
Medical Liability Mutual Insurance Co Write review for this local business
8 British American Blvd Ste 1, Latham, NY 12110
(518) 786-2700  
Devito Nationwide Insurance Write review for this local business
486 Troy Schenectady Rd, Latham, NY 12110
(518) 785-7525  
Cool Insuring Agency Write review for this local business
784 Troy Schenectady Rd, Latham, NY 12110
(518) 783-2665  
Rullo Agency Write review for this local business
1128 Troy Schenectady Rd, Latham, NY 12110
(518) 782-7146  
Metlife Write review for this local business
8 Airport Park Blvd, Latham, NY 12110
(518) 782-9311  
New York State Public Employees Federation AFL CIO Write review for this local business
1170 Troy Schenectady Rd, Latham, NY 12110
(518) 785-1900  
Pearl Carroll & Associates Write review for this local business
12 Cornell Rd Ste 8, Latham, NY 12110
(518) 640-8100  
New York Mutual Underwriters Write review for this local business
17 British American Blvd, Latham, NY 12110
(518) 783-6968  
John Justice Insurance Agency Write review for this local business
980 New Loudon Rd, Latham, NY 12110
(518) 786-1397  
Aon Risk Services Inc of New York Write review for this local business
11 British American Blvd, Latham, NY 12110
(518) 782-5436  
Andover Cos Write review for this local business
125 Wolf Rd, Albany, NY 12205
(518) 458-1748  
Capital Bauer Insurance Write review for this local business
500 New Karner Rd Ste 5, Albany, NY 12205
(518) 869-3535  
Tiaa-Cref Write review for this local business
43 British American Blvd, Latham, NY 12110
(518) 786-5900  
Vernon C Hinson Ins Write review for this local business
1321 Central Ave, Albany, NY 12205
(518) 459-8362  
AFLAC New York Write review for this local business
1 Marcus Blvd Ste 1, Albany, NY 12205
(518) 438-0764  
Program Risk Management Inc Write review for this local business
900 Watervliet Shaker Rd Ste 250, Albany, NY 12205
(518) 456-5557  
State Farm Insurance Write review for this local business
1321 Central Ave Ste 7, Albany, NY 12205
(518) 459-8362  

Insurance agencies and the agents themselves may consider very different coverage plans for homeowners or commercial property brokers. Whether farmers need coverage or you need a plan for your auto, as well as medical or traveling insurance, much can be considered a liability so it’s important to hire a licensed agent who can provide general services. Whether you have specialties, such as traveler insurance or have specific health issues, finding the right group that covers federal needs as well as workers compensation and everything between can make the difference between surviving and losing everything.

  • What rate will my premiums run?
    A quote will be established and then, after everything is set into place, an insurance agency will send you rates with different coverage options. Rates vary depending state to state and whether these are high risk or require long term coverage for a business, network of offices, even national needs can be covered.

  • What property is covered?
    Be clear about the property that is being covered and what it entails. Different elements, such as water or fire, produce a higher risk for certain properties. Liabilities may spike your ratings, so any specialty needs to be addressed.

  • Do you have certification?
    Asking if all the titles are in place for homeowners, as well as automobile owners can affect both liability and management of the insurance plan.

  • Can I get a cheaper premium?
    Most of the time cheaper insurance is available, but this effects how much the insurance company will make available incase your health declines and your medical bills sore, or you have an auto accident. This effects any kind of insurance for travelers, and commercial properties as well as unemployment.


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