The Right Auto Policy Matters

You want cheap auto insurance, but at what cost?

Hidden fees, low coverage, or poor customer service ruin your peace of mind. Discover how to find the best auto insurance policy for your lifestyle without paying more than you have to.

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Get the auto insurance you deserve

You want to drive with confidence, knowing you have the right auto insurance for your situation. You want to save money on your premiums, but not at the expense of your coverage or service. You want to have a hassle-free experience, from getting a quote to filing a claim. And you want to work with an agency that cares about your safety and expectations.

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Pricing an Auto Policy

How Much is Car Insurance?

Car insurance covers the damages and injuries that may result from a car accident, as well as other risks such as theft, vandalism, or natural disasters. The cost of car insurance depends on many factors, such as the type of car, the driver’s age, driving record, location, coverage options, and discounts.

Car insurance is the most common yet the most difficult to estimate. For a single-car policy, the average premium is between $50 – $166 per month or $600 – $1,992 per year. For a policy with more than one car, you can expect to fall between $88 – $275 per month or $1,056 – $3,300 per year. What specific factors affect your price?

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Get CNY car insurance that stands strong against local challenges.

Navigating the unique roads of Central New York requires more than just standard car insurance. At Horan, we understand the specific challenges drivers face in this region, and we offer customizable plans to keep you confidently covered.

Unwavering Protection for Your Ride:

Get protection from ice storms, heavy snowfall, and other extreme weather events that are all too common in CNY. From hail damage to fallen trees, we’ve got you covered. Whether it’s a deer crossing the road on a foggy morning or a black ice patch on a winding road, you want auto coverage that ensures your car is repaired or replaced, no matter the cause.

Policy Safeguards for Your Family:

Our policies extend beyond just your vehicle, providing valuable protection for your family and loved ones who share the journey with you. It doesn’t matter who is in the driver’s seat, whether it’s your daughter, your partner, or your uncle, your policy will safeguard anyone who has permission to drive your car in the event of an accident.

Reliable Coverage for Damages and Injuries:

Accidents are unpredictable, but you can be prepared. You’ll want a policy that will cover you for any damage or injury you may cause to others. Whether you rear-end another car in a traffic jam or fail to avoid a pedestrian at a crosswalk, you want auto coverage that will pay for the medical bills, legal fees, and property repairs that may arise.

Horan Companies offers comprehensive auto insurance in New York State, including: Baldwinsville, Syracuse, Onondaga County, Liverpool, Fulton and Camillus, NY.

What Our Clients Are Saying

“I always feel confident my insurance needs are covered with Steve and his team. They reach out if they find me a better rate, they clearly review my coverage so I understand, and communication is so easy with them.”

Lizzy Martin

“Steve is easy to work with and incredibly knowledgeable. He explains the details of your policy, highlighting the pros and cons of options. He really helped me to better understand what I was purchasing.”

Erin Wisneski

Woman Preparing to Write Horan a Google Review

Burning Questions Answered

FAQ

Common Questions and Answers About Your Auto Insurance Policy Options

Can I switch to a new policy anytime I want?

How do I cancel my current policy without any hassle?

Do I need to pay a lot of money upfront to start my new policy?

Buy car insurance without hassle or regret

Avoid common pitfalls and mistakes that could cost you money and time when buying car insurance. And discover how to get the right coverage at the right price, with the best customer service in the industry. You’ll get guidance through every step of the process and answers to all your questions.

Navigating the world of car insurance can be overwhelming, especially if you’re buying a policy for the first time. There are so many options and factors to consider.

How much coverage do you actually need?
What add-ons make sense for your situation?
Can you get a better rate if you shop around?

The good news is that you don't have to figure it all out alone.