Auto Insurance

Shopping for auto insurance is never easy. Sifting through all the options, making sure you have adequate coverage can be overwhelming. Here at Upstate Agency, we’re committed to finding the policy that is right for you. We understand you’re not just protecting your vehicle, you’re protecting your life and the lives of those around you.

Our agents will work with you to determine what you will need from your insurance. 

• We begin with an assessment to determine your financial picture, the vehicle you’re insuring, how much protection you want or need and how this works with your financial budget. 
• We look for discounts and advantages that are available to you including the number of cars you insure, your safe driving habits and other items you will be insuring. 
• We then match your needs to the right insurance company for you.

Though we all try to avoid being in an accident, they do sometime happen. And if one happens to you, Upstate Agency will be there for you every step of the way. We will handle your claim to make sure you receive the appropriate coverage and services, quickly and efficiently.

We know auto insurance can be confusing.  To help you understand what basic auto insurance covers, and to make discussions with an Upstate representative easy and less confusing, here is a quick primer:

Liability is the most important coverage and is required by most states.  Basically, if you cause an accident, hurt someone or damage someone’s property, it can pay for covered damages and to defend you if a lawsuit results.

Collision helps pay for damage to your vehicle if your car hits another car or object, is hit by another car, or your vehicle rolls over.

Comprehensive helps pay for damage to your vehicle that is not caused by collision.

Medical Payments helps pay for covered medical expenses for anyone injured while in your vehicle regardless of who is at fault.

Uninsured/Underinsured Motorist can help pay for damages and medial costs resulting from an accident caused by someone who has no insurance or inadequate insurance.

Personal Injury Protection pays medical expenses and in some cases lost wages and other damages regardless of who is at fault in an accident.

Deductible is the amount you will pay out of pocket before your insurance kicks in.

Contact an Upstate Agency agent today to find the right auto insurance for you.