Auto Insurance

Long Island Car Insurance

At James F. Sutton Agency, Ltd., our professional team designs Long Island insurance coverage for all types of automobiles, including collector cars, personal watercraft and motor homes. We understand that every insurance need is unique whether you live in East Islip or the Hamptons. We take the time to get to know your situation, and then we do the research necessary to find you an insurance policy that meets your needs.

Car Insurance Basics

Everyone knows that car insurance is required for New York drivers. We’ll help you understand the basics and also help you see that state minimums might not provide the protection necessary for you:

Coverage: Car insurance policies include coverage for property damage and bodily injury in the event of accidents or other events, personal injury protection or “no fault” coverage, as well as uninsured/underinsured motorist coverage and collision or comprehensive insurance. Many policies also offer additional financial protection to cover the full replacement value of your vehicle if it is stolen, or to reimburse you for the cost of windshield replacement.

Costs: Most car insurance shoppers think about how they can get the cheapest premiums to keep their costs low. However, premiums are just the beginning of the cost analysis that you should make when buying coverage. For instance, choosing a high deductible means more out-of-pocket costs if you get into an accident. Can you afford it? Will minimum bodily injury and liability limits be enough if you’re at fault in a crash? We can help you answer these and other important questions during your search for the best policy.

Discounts: One way of keeping costs low while getting the best coverage is to seek out insurance from a company that offers the right discounts. One benefit we offer our clients is the multi-policy discount. By insuring your home and auto together, we are able to provide you with one centralized insurance agency at a competitive price. Other discounts you may qualify for include a safe driver discount, good student discount and low-mileage discount if you commute to work in New York City. We can provide a free comparison quote of policies that details a variety of potential discounts.

To register for our defensive driving course or to learn more about this helpful course, contact our East Islip agency. We have a convenient schedule and location. Our agents will help you protect yourself behind the wheel and save you money!

Boat, RV and Motorcycle Insurance

Your car insurance policy may not provide financial protection for all of your vehicles. Speak to our experienced independent agents to learn whether you will need extra protection for your other vehicles:

  • Classic and collector cars
  • Jet Skis and personal watercraft
  • Boats and yachts
  • Snowmobiles
  • Motorcycles and custom bikes
  • RVs and campers
  • ATVs

Working with the Right Companies Benefits You

Since we are independent insurance agents, we work with a network of insurance companies we have built over the past 50 years, all of which provide various coverage options to drivers on Long Island. Some of the more notable companies we work with include Encompass, The Hartford, Travelers, Merchants Insurance Group, Chubb and Kemper.

Contact Sutton Insurance for a Free Quote Today

Whether you are in need of new coverage for your teenage driver or are seeking a car insurance policy to cover your high performance vehicle, we can help. Contact our East Islip agency today for a free quote and to learn more about our services.