Get the right coverage for your vehicle and your budget with PRK Insurance Agency, Inc. Compare trusted options, understand your policy clearly, and drive with confidence.
Auto insurance can include liability, collision, comprehensive, and uninsured motorist coverage. The right plan helps protect you, your vehicle, and your finances after an accident.
Liability coverage helps pay for injuries or property damage you cause to others. It’s required in New York and protects you from expensive out of pocket costs.
Collision coverage helps pay for damage to your car after an accident. Comprehensive coverage helps protect against theft, vandalism, fire, and weather related damage.
This coverage helps protect you if you’re hit by a driver with little or no insurance. It can help pay for medical costs and related losses after an accident.
A deductible is what you pay before coverage applies. Choosing a higher deductible may lower your monthly premium, but it increases your out of pocket cost during a claim.
Drivers often save by bundling policies, keeping a clean driving record, choosing the right coverage limits, and applying available discounts based on driving habits and vehicle safety.
PRK Insurance Agency, Inc. makes it easy to get auto insurance in New York that fits your needs and your budget. Since 2004, our local team has helped drivers compare trusted coverage options, understand their policy clearly, and feel confident they’re protected on the road. Based in Melville, NY, we focus on responsive support, honest guidance, and competitive rates without the runaround.
Quick answers to common insurance questions, coverage basics, and next steps. If you need help, our Melville, NY team is here to guide you.
Auto insurance can include liability, collision, comprehensive, uninsured motorist coverage, and personal injury protection depending on your policy and selections.
Yes. New York requires minimum auto insurance coverage to legally drive, and most drivers choose additional coverage for stronger protection.
Liability coverage helps pay for injuries or property damage you cause to others in an accident. It’s required and helps protect you from seeing large out of pocket costs.
Collision helps pay for damage to your car after an accident. Comprehensive covers non collision events like theft, vandalism, fire, and storm related damage.
A deductible is what you pay before insurance coverage applies. Higher deductibles can lower your premium, but increase your cost if you file a claim.
Many policies can include rental reimbursement coverage. This helps pay for a rental vehicle if your car is being repaired after a covered claim.
Uninsured or underinsured motorist coverage can help protect you if the other driver has little or no insurance, covering certain medical and related expenses.
You may be able to save by bundling home and auto, maintaining a clean driving record, choosing a higher deductible, and applying discounts for safe driving and vehicle safety features.
Yes. You can update your policy at any time. We can help you add a driver, remove a driver, or adjust your coverage to match your situation.
Make sure everyone is safe, call emergency services if needed, document the scene with photos, exchange information, and contact your insurance provider as soon as possible.
Yes. PRK Insurance Agency, Inc. helps New York drivers compare coverage and pricing from trusted carriers and choose the right plan with clear guidance.
